Find out how much you can borrow based on your income and commitments*.
Your monthly loan repayments on a P&I loan would be:
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Source: CANSTAR Note: Some rates displayed may include promotional/bonus rates. Competitor rates shown are as notified to CANSTAR during the previous business day. The comparison rate is based on a secured loan of $150,000 over the term of 25 years. This comparison rate only applies to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Financial data provided by Canstar Research Pty. Ltd. AFSL and Australian Credit Licence 437917. See Canstar's FSG & Credit Guide.
*Calculations are estimates and provided for illustrative purposes only. They do not take into account your personal circumstances, any product features, applicable fees, or charges which may be payable. Conditions apply to all loans and are subject to change without notice. Calculations are not an offer of credit, a quote or loan approval. Applications are subject to lending criteria. The calculator calculates a maximum loan amount based on the information entered, the default values and rounds to the nearest dollar. The default values assist in giving an estimate of the factors which may determine the amount available for a loan. Default values: The loan term is assumed to be 30 years. Annual living expenses used are the higher of the amount you enter or the "Australian Household Expenditure Measure" figure as sourced from the Melbourne Institute - note it is assumed that these amounts do not change for the loan term. 80% of rental income is available to service the loan. 100% of other income entered by you is available to service the loan. Minimum credit card repayments calculated at 3% pa of the credit limit. Owner occupier and investment interest rate is 7% p.a. for the loan term and repayments are made on a principal and interest basis. Negative gearing is not included.
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