The calculator estimates how much you may be able to borrow based on the information you enter, such as your income, living expenses, existing debts, interest rate assumptions, and loan term. It applies general lending assumptions used across the market to provide an indicative result only.

Note: The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are estimates only and should not be relied upon as a lending decision.

No. The result is not a guarantee of approval and does not represent a formal or conditional approval from any lender. Actual borrowing capacity can differ materially once a lender assesses your full financial position, documentation, credit history, and policy requirements.

Note: Calculator outputs are indicative only and are not to be relied upon. Lending decisions are subject to lender assessment and approval.

There are many factors that a calculator cannot fully assess, including:

• How individual lenders assess living expenses

• Changes to interest rates or serviceability buffers

• Credit card limits and personal loans

• Dependants and childcare costs

• HECS HELP or student loan repayments

• Employment type and income stability

Note: A mortgage broker can assess these in detail and apply lender specific policies to your circumstances.

No. The calculator does not compare lenders, assess credit policy, or determine which lender is suitable for you. Each lender has different servicing models and appetite for risk.

To understand which lenders may suit your situation, it is important to speak with a mortgage broker who can assess your circumstances against multiple lenders.

No. Government schemes such as the as the Australian Government 5% Deposit Scheme, the Australian Government Help to Buy Scheme, or stamp duty concessions are not automatically factored into calculator results and may significantly change your position.

Eligibility for these schemes depends on criteria that cannot be reliably assessed by a calculator alone.

No. You should enter realistic living expenses that reflect your actual lifestyle. Understating expenses may produce a higher result but will not reflect what a lender will assess and may lead to disappointment later.

Accurate inputs produce more useful and realistic indicative outcomes.

No. The calculator does not provide financial advice, credit advice, or recommendations. It is a general information tool designed to give an indicative starting point only.

You should not make financial decisions based solely on the calculator output.

The calculator uses assumed interest rates and buffers that may not reflect future changes. Lenders assess your borrowing capacity using their own serviceability buffers, which can change at any time.

Note: Results are based on assumptions at a point in time and are subject to change without notice.