Ding Financial logo

Borrowing Power Calculator

An indicative estimate of what you may be able to borrow. Lender policy varies — our brokers can refine this dramatically.

Estimated borrowing capacity
$522,729
Monthly surplus
$4,300

Indicative only. Final borrowing capacity depends on lender policy, credit history, deposit and other factors.

Frequently Asked Questions

Lenders assess your gross income, existing debts and liabilities, living expenses (using HEM benchmarks or actual expenses), number of dependants, credit history, and the loan type. Each lender weighs these factors differently, which is why results vary between banks.

Important Disclaimer

This calculator provides general estimates only. The results are indicative and should not be relied upon as financial advice, a quote, or a guarantee of loan approval or terms.

Your actual borrowing capacity, repayments, stamp duty, and other costs may differ based on:

  • Individual lender assessment criteria and policies
  • Your complete financial circumstances, credit history, and employment status
  • Current interest rates, government policies, and market conditions
  • Property type, location, and intended use (owner-occupied vs. investment)
  • Additional fees, charges, and conditions not captured in this calculator

General Advice Warning

Any information provided by this calculator is general in nature and does not take into account your personal objectives, financial situation, or needs.

Before making any financial decisions, you should:

  • Consider whether the information is appropriate for your circumstances
  • Read the relevant Product Disclosure Statement (PDS) or loan documents
  • Seek professional financial advice tailored to your situation
  • Compare multiple lenders and loan products

Regulatory Compliance: Ding Financial is committed to compliance with all applicable Australian Securities and Investments Commission (ASIC) regulations and the National Consumer Credit Protection Act 2009.

Not Financial Advice: This calculator and its outputs do not constitute financial advice, credit assistance, or a recommendation to enter into any particular loan or financial product.

Accuracy: While we strive to ensure the accuracy of this calculator, Ding Financial makes no representations or warranties about the completeness, accuracy, or reliability of the information provided.

Liability: To the maximum extent permitted by law, Ding Financial disclaims all liability for any loss or damage arising from your use of this calculator or reliance on its results.

Need Personalised Advice?

Contact our licensed mortgage brokers for a comprehensive assessment tailored to your circumstances.

Get personalised advice

Ding Financial Pty Ltd ACN 110 490 947 is an authorised Credit Representative Number 517980 of Global Mutual Funds Pty Ltd ACN 090 555 436 AFSL/Australian Credit Licence 222640.