Your household finances
Enter your combined pre-tax household income.
Car loans, personal loans, credit-card repayments and similar debts.
Groceries, utilities, transport, insurance, health, entertainment and other regular spending — excluding housing.
Optional. Used to estimate a potential purchase price.
This is an affordability estimate, not a lender assessment.
It uses conservative household-budget assumptions and does not account for every lender's serviceability rules, interest-rate buffers, stamp duty, LMI or individual circumstances.
Your estimated housing affordability
Comfortable monthly housing budget
$0
Estimated monthly take-home
$0
Annual take-home
$0
Housing as % of take-home
0%
Indicative mortgage
$0
Indicative purchase price
$0
The housing estimate aims for housing costs of about 30% of take-home income, then checks that debts and living expenses leave a reasonable buffer. For a mortgage, the indicative loan assumes a 6.0% interest rate over 30 years and is intended only as a planning estimate.