Calculator
Borrowing Power Calculator
Estimate your borrowing range with a clean, easy-to-use calculator and take the next step with confidence.
Overview
Understand your borrowing range
Use this borrowing power calculator to estimate how much you may be able to borrow based on your income, expenses, liabilities, and loan details. It is a helpful starting point when planning your next property move.
Your actual borrowing capacity can vary between lenders and may change depending on your living expenses, credit commitments, deposit, and the type of property you are purchasing. If you would like tailored guidance, we can help you compare options across lenders.
What this helps you do
- Estimate a possible borrowing range
- Prepare for lender conversations
- Compare your next steps with confidence
Helpful guidance
Common borrowing power questions
Clear answers to help you interpret your estimate with more confidence before speaking with a broker.
What affects how much I can borrow?
Lenders typically consider your income, regular expenses, existing debts, credit limits, deposit, number of dependants, and the loan term. Different lenders can assess the same scenario differently.
Is this calculator the same as lender approval?
No. This calculator provides an estimate only. Formal borrowing capacity is confirmed by a lender after reviewing your full financial position and supporting documents.
Can I improve my borrowing power?
In some cases, yes. Reducing existing debts, lowering credit card limits, improving savings, or choosing a different loan structure may help strengthen your position.
Should I speak with a broker after using the calculator?
Yes. A broker can help you understand how different lenders may assess your situation and guide you toward options that suit your goals.
Important information
This calculator is provided as a general guide only and does not constitute credit advice, approval, or a loan offer. Results are estimates and may not reflect all lender policies, fees, interest rates, or your full financial circumstances.
Borrowing capacity will vary between lenders and is subject to application, verification, and credit assessment. The embedded calculator, MFAA branding, colours, fields, and functionality have been retained as provided.
Next step
Ready to explore your options?
Use your estimate as a starting point, then speak with Links Property Finance for guidance tailored to your goals.