An estimate based on income, rent, expenses and existing debts, tested at your rate plus the 3% buffer lenders apply.
Estimate only, not a loan offer or credit assessment. Uses 2025–26 resident tax rates incl. 2% Medicare levy, rental income shaded to 80%, credit cards assessed at 3.8% of limit per month, living expenses at the greater of your figure or a benchmark, and a 6× debt-to-income cap.
It applies the same building blocks lenders use: after-tax income, shaded rental income, a living-expense benchmark, existing commitments and a 3% buffer. Each lender weights these differently, so real results can be higher or lower.