How Much Can You Really Borrow?
Use this calculator as a guide — then get a clearer answer based on how lenders assess self-employed income.
Start With an Estimate — Then Get Clarity
Your borrowing power is one of the most important numbers when planning to buy a home — but online calculators only tell part of the story.
If you're self-employed, your income isn’t assessed the same way as PAYG employees. Lenders may:
- Average your income over multiple years
- Adjust your income based on business performance
- Add back certain expenses
- Apply different policies depending on the lender
- This means your actual borrowing power may be higher — or lower — than what this calculator shows.
What This Calculator Doesn’t Show
- How lenders assess self-employed income
- Which lenders may be more flexible
- How to structure your application
- What may be limiting your borrowing capacity
Takes 1–2 minutes
✔ Get clarity before making any decisions
Your Result Is Just a Starting Point
The figure above is an estimate only. It doesn’t reflect how all lenders assess applications — especially for self-employed borrowers.
Want a More Accurate Answer?
I can review your situation and give you a clearer understanding of what’s actually possible — and what steps to take next.
No pressure, no obligation — just clear guidance based on your situation.
Home Loan Calculator for Self-Employed Borrowers
If you're self-employed, your borrowing capacity, repayments, and eligibility can be assessed differently compared to PAYG employees. These calculators provide a helpful starting point, but your actual situation may vary depending on your income structure, financials, and lender requirements.