Home loans guide
How Much Can I Borrow for a Home Loan?
Why online estimates vary, what lenders assess and how to get a clearer view of your borrowing position.
Offset Mortgage · Plain-English mortgage information
Income is only the start
Lenders consider acceptable income, living expenses, debts, credit limits, dependants and buffers for higher rates.
Every lender can be different
Assessment policies and treatment of income can differ, especially for overtime, bonuses, rent or business income.
Use estimates carefully
A calculator is a starting point, not approval. A personalised assessment can test your information against relevant lender criteria.
