Find your loan — borrow, repay, compare.
Three tools in one. Estimate borrowing power with APRA buffers, model repayments, and compare rates from 20+ lenders using Open Banking data.
Rental, bonuses, dividends. Banks shade non-PAYG income at 80%.
APRA HEM floor for your household: $2,033/mo. Higher of declared vs. HEM is used.
Banks count 3.8% of limit/mo.
Car loans, HECS, personal.
Current avg variable.
Stress-tested at rate + 3% per APRA serviceability buffer (in force since Oct 2021). Your actual rate used for repayments; the buffer adds a safety margin.
Estimated Borrowing Power
$0
Stress-tested at 9.14% (rate + 3% APRA buffer) over 30 years.
Monthly Surplus
$0Serviceability Breakdown (monthly)
Indicative only. Banks use full credit assessment including employment history, asset position, account conduct, and probity checks. Speak with a mortgage broker for accurate pre-approval.
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