Borrowing Power Calculator

Use the calculator to find out how much you could borrow.

How much can I borrow?

Understanding your potential borrowing range is an important first step when planning to buy property.

Your borrowing capacity is influenced by several factors, including your income, expenses, existing debts, and the way lenders assess self-employed income.

The calculator below provides a general estimate only to help you explore what your borrowing range might look like.

Keep in mind that borrowing limits can vary significantly between lenders because each bank uses different policies when assessing applications — particularly for self-employed borrowers.

If you are self-employed and unsure how lenders may assess your situation, our Self-Employed Home Loan Toolkit and Readiness Quiz can help you understand:

• how lenders review self-employed income
• the documents commonly required
• the factors that can impact borrowing capacity
• how to prepare before speaking with a licensed broker or lender