The expected rate is increased by 3 percentage points for a broad serviceability buffer.
General information tool
Home Loan Borrowing Power Calculator
Estimate a broad borrowing range using income, expenses, debts and an expected interest rate. The calculator applies a 3 percentage point APRA (Australian Prudential Regulation Authority) buffer internally and is not personal financial advice.
Enter household details
Indicative range
$0 - $0
Enter figures and calculate.
Information on this website is general in nature and does not constitute personal financial advice. It does not take into account your individual situation, objectives, or needs.
How this is calculated for borrowing power
Expenses and debts reduce the estimated monthly surplus before a loan amount is inferred.
Actual approval depends on lender criteria, valuation, credit history and verified documents.
Method notes for Newcastle home loan broker review
The method uses a simplified surplus-income calculation, then tests repayments at the entered rate plus a serviceability buffer. It does not include every lender rule, credit policy or verified expense category, so a broker review is still needed before relying on the estimate. For context, see APRA serviceability guidance and MoneySmart home loan information.
Assumption set
- Indicative only: calculator outputs and checklist prompts are general information, not personal financial advice or credit approval.
- Borrowing estimates use a simplified surplus-income method, 30-year term and 3 percentage point serviceability buffer.
- First-home buyer prompts are preparation notes only; NSW scheme settings and lender policies must be checked at the time of application.
- A broker or lender must verify income, expenses, liabilities, deposit, property details and current policy before any decision is made.
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Submit the enquiry form and a broker can assess the documents before discussing loan options.