Borrowing Power Calculator built for Australian mortgage brokers
Turn rate-curious browsers into pre-qualified borrower leads. Home buyers enter their income, expenses and deposit to see their estimated borrowing power — while you capture their details for follow-up.
This is the exact calculator your customers use. Enter income, expenses and deposit to see the estimated borrowing power update live.
yourbusiness.com.au/borrowing-power-calculator
Step 1 of 6 — Your income
1Your income
2Household
3Monthly expenses
4Other debts
5Loan preferences
6Pre-Approval Details
Your income
$AUD
$AUD
Your estimate
Estimated property price
$587,112
Estimated monthly repayment
$2,920
Net monthly surplus used
$3,919
Total$487,112
Price range: $414,046 – $560,179
Estimate valid for 30 days
This is a price indication only. Our team will be in touch to confirm the final price after assessing the job.
*This is an estimate only and not a loan approval. A mortgage broker will confirm your actual borrowing power based on your full financial situation.
Step 1 of 6 — Your income
1Your income
2Household
3Monthly expenses
4Other debts
5Loan preferences
6Pre-Approval Details
Your income
$AUD
$AUD
Borrowing Power Calculator · powered by LeadkitPowered by Leadkit
Live calculator — no sign-up needed.
Instant Notifications
Know the Moment a Lead Arrives
The second someone completes your calculator, you get a celebration notification with their full details — name, contact, project info, and estimated value.
Real-time alerts — no refreshing needed
Full customer details at a glance
One click to view the complete lead
Score and value calculated automatically
🎉
Your first lead just arrived!
Someone just requested an estimate on your website — their details have been captured and a new lead is ready in your dashboard.
Sarah Mitchell
Just now
Hot
Email sarah@example.com
Calculator Borrowing Power Calculator
Status New
Est. value $4,200
View Lead Details
I'll check it later
Automated Emails
Professional Emails Sent Automatically
Every calculator submission triggers branded emails — an instant estimate for your customer and a detailed lead notification for you.
Customer Estimate — Instant branded estimate sent to your customer
Lead Alert — New lead notification sent to your inbox
Updated Estimate — Revised estimate sent when you update pricing
Expiry Notice — Reminder sent when an estimate is about to expire
Tradies who stopped chasing leads and started winning them. In their own words.
“
Set it up Tuesday. By Friday I had three quote requests in my inbox. One turned into a $14,200 bathroom job. Pays for itself ten times over.
4 → 31
Quote requests per month
$74,400
In booked jobs · 90 days
5×
Pipeline vs. before
DK
Dan K.
Bathroom Renovator · Brisbane · On Leadkit since Jan 2026
Return on investment
Stop quoting for free
Every borrowing power enquiry you answer manually is time away from settlements. Let the calculator pre-qualify buyers 24/7 while you focus on conversions.
300
35%
$25k
With Leadkit, you'd earn
$578k/month extra
Based on a 8.3× uplift over a plain contact form, applied to your inputs.
All prices in AUD · GST inclusive · Cancel any time, no calls or forms
Common questions
What others asks before signing up?
How much can I borrow for a home loan in Australia?
Your borrowing power depends on your income, living expenses, existing debts, credit card limits and the interest rate. Most lenders also add a serviceability buffer (currently 3%) to stress-test your repayments. This calculator provides an estimate — a mortgage broker will confirm your actual borrowing capacity after reviewing your full financial situation.
How do banks calculate borrowing power?
Banks assess your net income after tax, subtract living expenses (using HEM benchmarks as a floor), existing loan repayments and a percentage of your credit card limits. They then calculate the maximum loan you could service at the product rate plus the APRA buffer (currently 3%). Debt-to-income ratios and loan-to-value ratios also influence the final figure.
How accurate is this borrowing power estimate?
This calculator uses the same general methodology as Australian lenders — income, expenses, debts and a serviceability buffer — but every lender applies different policies, credit scoring and expense benchmarks. Treat the result as a useful starting point, not a formal approval. A mortgage broker will run your application through actual lender models for a precise figure.
What is the serviceability buffer?
APRA requires lenders to assess your ability to repay at the loan's interest rate plus a buffer of at least 3 percentage points. So if the product rate is 6%, you're assessed at 9%. This protects borrowers if rates rise. The buffer is built into this calculator and can be adjusted by the broker in the dashboard.
Can I embed this borrowing power calculator on my website?
Yes. Leadkit provides a one-line embed code that works on WordPress, Webflow, Squarespace, Wix and Shopify. The calculator inherits your branding and sends leads directly to your Leadkit dashboard.
What information do I get when someone submits the calculator?
You receive the home buyer's name, email, phone, location and a full summary of their inputs — income, partner income, expenses, debts, deposit and estimated borrowing power. Leads appear in your Leadkit dashboard scored and ready for follow-up.
I don't have a website — can I still use this?
Yes. Every Leadkit calculator has its own hosted landing page at a unique URL. Share the link on social media, in email campaigns or via QR codes. No website required.
Is Leadkit really free?
Yes. Free lets you add up to 3 calculators to your website and receive 10 leads per month — no credit card. Every lead beyond the cap is still captured and held for you; upgrading to Pro ($29/mo) opens them all retroactively and removes the cap.
Do I need to know how to code?
No. You get an embed code (one line of HTML). Paste it into your website builder — Wix, Squarespace, WordPress, or any custom site. That's it.
How accurate are the price estimates?
You configure the calculator formulas to match your actual pricing. Leadkit provides the framework; you set the numbers. Estimates can be as detailed or as rough as you like.
What happens with lead data?
All lead data is stored securely in your workspace. You own it. We never sell or share your leads with anyone.
Can I use Leadkit as an agency for multiple clients?
Yes — our Agency plan lets you create and manage separate workspaces for each of your clients, all from one dashboard.
What's the difference between the plans?
Free: up to 3 calculators, 10 leads/month (over-cap leads held + locked until upgrade). Pro: unlimited leads, unlimited calculators, white-label, branded email sending, analytics, email templates. Agency: everything in Pro plus multi-workspace management.
Get Started Free
Start capturingpre-qualified borrower leads
Set up your borrowing power calculator in 60 seconds. Free plan available — no credit card required.
The section below is for homeowners researching borrowing power costs. We break down how prices are calculated, show current Australian averages, and answer the questions we hear most. Every number reflects real 2026 rates from Australian tradies — not marketing fluff.
Based on AU market ratesGST includedUpdated for 2026
For home buyers
Know your budget before you shop
Get an instant borrowing power estimate based on your income and expenses. No sign-up needed — see your numbers in under a minute.
Free instant borrowing power estimate
APRA serviceability buffer included
See your estimated property price range
Connect with a mortgage broker for pre-approval
For mortgage brokers
Capture pre-qualified buyer leads with income and deposit
Every submission includes the buyer's income, debts and deposit — so you can prioritise the leads most likely to settle.
Your rates, your branding, your AFSL on every PDF
Lead score helps prioritise callbacks
Free for up to 5 calculators — upgrade for unlimited
Works on WordPress, Webflow, Squarespace, Wix and Shopify
How it works
How this borrowing power calculator is calculated
This calculator produces an estimate of borrowing capacity, not a formal credit assessment. Every lender applies different policies, credit scoring and expense benchmarks.
GST handling: Borrowing power estimates do not include GST. Stamp duty and other government charges are separate — use a stamp duty calculator for those costs.
1
Combine income and estimate tax
Gross annual income (plus partner income if applicable) is run through the 2025-26 Australian marginal tax brackets to estimate net annual income.
monthly_net = (gross - tax) / 12
2
Calculate monthly commitments
Monthly living expenses are compared against a HEM-style floor based on household size. Existing loan repayments and 3.8% of total credit card limits are added to produce total monthly commitments.
3
Determine net surplus
Net monthly income minus total commitments gives the surplus available to service a new loan.
4
Apply serviceability buffer
The product interest rate is increased by the APRA buffer (default 3%) to create the assessment rate. This stress-tests your ability to repay if rates rise.
5
Back-calculate max loan
Using the net surplus and the buffered assessment rate, the calculator reverses the standard amortisation formula to find the maximum loan amount that can be serviced over the chosen term. Deposit is added to estimate the maximum property price.
Indicative borrowing estimates based on current average owner-occupier variable rates (~6% p.a.) and a 3% serviceability buffer. Actual results depend on lender policy, credit history and expense assessment.
Average costs by job type across Australia, 2026
Job type
Low
Average
High
Unit
Single $80k, no dependants
$420,000
$490,000
$560,000
est. borrowing
Single $120k, no dependants
$680,000
$780,000
$880,000
est. borrowing
Couple $180k, 1 dependant
$850,000
$960,000
$1,070,000
est. borrowing
Couple $250k, 2 dependants
$1,050,000
$1,200,000
$1,350,000
est. borrowing
Single $100k, $20k card limit
$480,000
$550,000
$620,000
est. borrowing
Source: moneysmart.gov.au, APRA, RBA
Sydney and Melbourne borrowers face higher property prices relative to borrowing power. Regional areas often offer stronger purchasing power for the same income level.
