Borrowing Capacity Calculator
Set your net monthly salary, a target debt-to-income ratio, an interest rate and a term, and see the maximum monthly payment and the amount you could borrow update live.
Your situation
Lenders size a mortgage from the payment your income can absorb, not from the property price. Move the sliders to see how the debt-to-income ratio, the rate and the term reshape what you can borrow.
Simulation ticket
Your result
Comfortable
Borrowing capacity
$252,999
over 20 years at 3.75%
Maximum monthly payment
$1,500
= 30% of $5,000
- Term
- 20 years (240 payments)
- Interest rate
- 3.75%
- Total interest cost
- $107,001
- Total amount repaid
- $360,000
Indicative simulation, excluding arrangement fees, guarantee costs and notary fees.