Borrowing capacity.

A realistic estimate of what lenders may lend you — assessed the way they assess it, with a 3% buffer on the rate.

Applicants

Gross annual income — applicant 1 (before tax)

Gross annual income — applicant 2

Dependent children

Monthly living expenses

Other loan repayments (monthly — car, personal, HECS etc.)

Total credit card limits

Interest rate (% p.a.)

Loan term (years)

Indicative borrowing capacity $0

Est. combined net income /mo$0

Expenses used (yours or floor)$0

Assessed at (rate + 3% buffer)0%

Actual repayment at your rate$0

Get your real capacity →

Every lender's income, expense and buffer policy differs — real capacity can vary by six figures between lenders. This is a guide, not an approval.

Assumptions (checked 4 Aug 2026): tax estimated on 2025–26 resident brackets plus 2% Medicare levy, no offsets or HECS; a minimum living-expense floor of $2,700/mo (single) or $4,000/mo (couple) plus $600 per dependent is applied if your stated expenses are lower; credit card limits assessed at 3.8% of limit per month; new repayment assessed at your rate + 3.0 percentage points (APRA guidance).

DeMarque Group Pty Ltd trading as DeMarque Home Loans is an authorised Credit Representative (Credit Representative Number 522568) under Australian Credit Licence 384704. The information on this website is general in nature and does not take your personal objectives, financial situation or needs into account. Consider its appropriateness to these factors before acting on it. Results are estimates for general information only — they are not a loan offer, an approval, or credit advice, and your lender's own assessment will differ. Talk to us on (02) 8046 6878 for figures based on your circumstances.