Buying
Borrowing power, indicative
This is a triage number, not an assessment. It applies a serviceability buffer to the rate and leaves a share of income for living costs, which is roughly what a lender does and precisely not how any particular lender does it.
Your numbers
150,000
4,000
Lenders count the limit, not the balance — usually about 3.8% of it a month.
Added to the rate before testing. Regulators have expected around three percentage points.
Result
Indicative range
$569,149 – $695,627
- Monthly surplus used
- $5,203
- Assessed at
- 9.25%
- Repayment at the actual rate
- $3,893.72
- Estimated tax and Medicare levy
- $39,570
Your rate plus the buffer.
This is a range, not an approval. Every lender assesses income, expenses and existing debt differently, and the spread between the most and least generous is wide.
What this does not tell you · Finance OS does not assess credit or calculate serviceability, and this is not a lender assessment. Two lenders will read the same client hundreds of thousands of dollars apart. Treat it as a reason to have the conversation, never as an answer.
Put this on your own site
This calculator ships as part of a Finance OS build, on your brand and your booking link, so an enquiry that starts with a number ends in your calendar rather than on a bank’s website.