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Loanscape

Home Loans, Investment Loans, Car Finance

Borrowing Power Calculator

This calculator is designed to give you an estimate of how much money you can borrow from a lender.

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    • Split Loan Calculator
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Borrowing Power Calculator

This calculator is designed to give you an estimate of how much money you can borrow from a lender. Note that the borrowing power is calculated on a custom model which can differ from lender to lender. The purpose of this calculator is to merely give an indication of what a lender could offer you, based on some of your basic incomes and financial commitments. You’ll only know how much you can borrow for certain when you apply and receive conditional approval for a maximum borrowing amount on a loan. 

 

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    • Latest Newsletter
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Loanscape

Loanscape is your information resource about lending and property.

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Featured
Borrowing Capacity Index – August 2024
Sep 17, 2024
Borrowing Capacity Index – August 2024
Sep 17, 2024

Loanscape has today released its Borrowing Capacity Index for Q4/2024. It confirms the forecast trend that borrowing capacities of Australian individuals and families are recovering from their low levels which coincided with the last of the recent increases to borrowing rates initiated by the Reserve Bank of Australia.

Sep 17, 2024
Borrowing Capacity Index – May 2024
Jun 11, 2024
Borrowing Capacity Index – May 2024
Jun 11, 2024

Loanscape has today released its Borrowing Capacity Index for Q3/2024. It shows that the borrowing capacities of Australian individuals and families have started to recover after the sharp decline over the past 2 years. Lower income borrowers continue to be disproportionately impacted by interest rate increases: the family income required to qualify for the average size loan in Australia is 37% higher than 2 years ago.

Jun 11, 2024
Borrowing Capacity Index – February 2024
Mar 10, 2024
Borrowing Capacity Index – February 2024
Mar 10, 2024

Loanscape has today released its Borrowing Capacity Index for Q2/2024. It shows that the borrowing capacities of Australian individuals and families have stabilised after the sharp decline over the past 2 years. Lower income borrowers continue to be disproportionately impacted by interest rate increases: the family income required to qualify for the average size loan in Australia is 35% higher than 2 years ago.

Mar 10, 2024
Market Essentials - March 2024
Mar 8, 2024
Market Essentials - March 2024
Mar 8, 2024

Combined dwelling values have re-accelerated across the nation in February, with all mainland capitals soaring in value. It probably comes as no surprise that Perth claimed the top spot by gaining a whopping 1.8% for the month

Mar 8, 2024
Borrowing Capacity Index – November 2023
Dec 8, 2023
Borrowing Capacity Index – November 2023
Dec 8, 2023

Loanscape has today released its Borrowing Capacity Index for Q1/2024. It shows that the borrowing capacities of Australian individuals and families continue to decline. The more modest decline in the size of average loans being taken confirms that lower income borrowers are being disproportionately impacted by interest rate hikes: the family income required to qualify for the average loan in Australia is now 32% higher than 18 months ago.

Dec 8, 2023
Market Essentials – November 2023
Nov 19, 2023
Market Essentials – November 2023
Nov 19, 2023

The end of the year is fast approaching, with most capitals experiencing a strong recovery on dwelling values from the downturn that culminated at the start of 2023.

The recovery is mainly due to an influx of immigration and constricted supply, which the Government is trying to remedy with its ambitious goal of building 1.2 million homes by 2029 through HAFF.

Nov 19, 2023

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