Borrowing Power
How Much Could
You Potentially Borrow?
Discover your home buying potential instantly. Our calculator estimates your maximum property budget based on your income and deposit, helping you start your search with confidence.
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Instant estimation
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Factor in your deposit
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Compare standard vs. stretch lenders
Insight
4.5x Income is standard
Understanding Mortgage
Affordability
Before making an offer on a house, you need to know what banks are willing to lend you. This is primarily determined by two factors:
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1
Income Multiples Lenders typically offer 4.5 times your annual household income. Some specialist lenders may go up to 5.5x for certain professionals.
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2
Outgoings & Debt Student loans, credit cards, and childcare costs can reduce the amount a bank is willing to lend.
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Credit Score Your history of managing debt plays a crucial role in acceptance.
How Does Mortgage Mapper Work?
Steps
1
Share Your Details: Tell us about your property dreams.
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Get Matched: Our algorithm matches you with a pre-vetted advisor who specializes in your area.
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