Borrowing Capacity Calculator

Estimate how much you could borrow based on your financial situation

Income Details

Your Annual Income (before tax)

Partner's Annual Income (optional)

Expenses & Commitments

Monthly Living Expenses

Existing Debts (credit cards, loans)

Number of Dependents

Deposit Saved

Loan Details

Interest Rate (%)

Loan Term

You Could Borrow Up To

$474,632

Based on 30 year loan at 6.5% interest

Maximum Property Price

$574,632

With your $100,000 deposit (83% LVR)

Funding Breakdown

$100,000

$474,632

Estimated Repayments

$692

Weekly

$1,385

Fortnightly

$3,000

Monthly

Income Summary

Combined Gross Income$120,000/yr

Est. Monthly Net Income$7,000

Est. Monthly Expenses$3,000

Monthly Surplus$4,000

This is an estimate only. Actual borrowing capacity depends on lender assessment. Speak to a mortgage broker for accurate figures.

Next step· Est. borrow up to $474,632 · Max property $574,632

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Borrowing Capacity FAQs

Common questions about how much you can borrow for a property in Sydney.

A dual-income household earning $200,000 combined with no HECS debt, minimal expenses and a $100K deposit can typically borrow around $950K–$1.1M in 2026 — enough to buy a $1.05M–$1.2M property. Single-income earners on $120K can usually borrow $520K–$620K. Use the calculator above for a personalised estimate.