A clearer picture

Start with the numbers.

Explore what might be possible, then talk it through with us. A calculator is a starting point for a conversation.

Step 1 of 4 — Your situation

Step 2 of 4 — Employment & income

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Step 3 of 4 — Deposit & commitments

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Leave living expenses blank and we'll apply a household benchmark (the HEM-style floor lenders use). Enter a figure and we take the higher of the two — the way a lender would.

Step 4 of 4 — Your estimate

Your estimated borrowing range
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Want your exact figure?

Leave your details and one of our brokers will confirm it — no obligation.

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Thank you. We've received your details and one of our brokers will be in touch to confirm your exact borrowing capacity.
How this estimate is calculated

We estimate the maximum loan your income could service after tax, living costs and existing commitments — the same logic a lender's serviceability assessment follows.

1. Income. Base salary is taken at 100% (casual/contract shaded to 90%). Overtime, bonuses and rental income are shaded to 80%, as most lenders discount variable income. Gross income is converted to net using current Australian resident tax rates plus the 2% Medicare levy.

2. Living expenses. We apply a household benchmark floor (single, couple or family, plus a loading per dependant) and use the higher of that benchmark or any figure you enter — mirroring the HEM benchmark lenders rely on.

3. Commitments. Credit card limits are assessed at 3.8% of the limit per month (not the balance), plus your personal, car, HELP/HECS and existing home-loan repayments.

4. Loan sizing. Your monthly surplus is converted into a maximum loan over a 30-year term at a 9.00% p.a. assessment rate — deliberately higher than today's actual rates to approximate the "stress test" buffer lenders apply. Your real repayments would be based on the actual (lower) rate.

Extra repayments — pay off sooner

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Adding your extra repayments
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saved in interest

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Uses the actual interest rate you enter (not the 9% assessment rate). Assumes the rate and extra repayment stay constant for the life of the loan. Figures are estimates only; a broker can confirm exact repayments and whether an offset or redraw would suit you better.

Property fees — stamp duty & upfront costs

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Estimated stamp duty
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Estimate only, current as at September 2026. Stamp duty, concessions and registration fees vary by state and change with each budget — figures should be confirmed with your conveyancer or with us before you rely on them. First home buyer and off-the-plan concessions in particular have eligibility rules this estimate can't fully assess. Newstart Financial Solutions — Credit Representative Number 554501 under Australian Credit Licence 389328 (Connective Credit Services Pty Ltd).