Buyer Tools
Borrowing Power Calculator
Estimate how much you can borrow based on your income, expenses, and dependants.
$120,000
$30K$500K
$3,500
$1K$15K
9.20%
Lenders must assess at your actual rate plus APRA's 3% serviceability buffer. With market rates around 6.2% in mid-2026, the assessment rate sits near 9.2%.
Estimated Borrowing Power
You may be able to borrow up to
Total Income (annual)
Annual Expenses
Net Surplus (annual)
Dependant Reduction
Estimate only. Actual borrowing capacity varies by lender, credit history, existing debts, and property type. Speak to a mortgage broker for a formal assessment.
Talk to Daniel About BuyingKnow your numbers?
Know your capacity. Now find out what your current home is worth.
Your borrowing capacity tells you what you can afford next. Your property value tells you what you already have. A free appraisal from Daniel gives you both sides of the equation before you make a move.
Book a Free WalkthroughWant more context? Read the full guide: Selling a House with a Mortgage in Brisbane →