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Want to know how much you can borrow?

Our borrowing power calculator helps you estimate how much you could borrow based on your income, expenses and financial commitments.
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You may be able to borrow up to
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Borrowing power:
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Our borrowing power calculator is designed to give you a simple picture of your budget before you start looking at properties. Lenders assess borrowing power differently, considering factors such as your salary, savings, debts and lifestyle costs. This calculator gives you an indication of what you may be able to borrow, helping you plan ahead with confidence.

At Paid In Full Home Loans, we can take your results a step further by reviewing your full financial position and comparing options from over 50 lenders. We’ll help you understand what’s achievable, how to strengthen your application, and what loan structure best fits your goals. Whether you’re a first home buyer, upgrader or investor, we make the process simple, transparent and tailored to you.

Next steps

This calculator is designed to give you a super quick idea of a conservative borrowing capacity. The best way to get a true idea is to talk to a broker. We will help get a true guide, organise pre-approval and find a great rate loan to match.
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Bryce Blaker
Mortgage Broker

Calculator FAQs

  • Income and Expenses: The calculator assumes the income entered is accurate and does not factor in living expenses or existing debts, which lenders will assess separately.

  • Interest Rate and Loan Term: A default interest rate of 5.5% and a 30-year loan term are used unless adjusted. Changes to these inputs will affect the results.

  • Repayment Capacity: The calculation assumes up to 30% of your gross monthly income is allocated to loan repayments.

  • Indicative Only: Results are estimates and may vary based on individual lender policies and criteria.

  • Purpose: This tool provides general guidance only and is not a substitute for personalized financial advice or a lender’s assessment.

Calculate my borrowing power

Borrowing power refers to the amount a lender may allow you to borrow based on your income, expenses, debts, and financial situation. It’s an estimate and can vary between lenders.

No, the borrowing calculator provides an estimate only. This estimate would include any existing loans you have. The final amount will depend on a lender's assessment of your full financial situation, including their specific lending criteria.

Approval times can vary between lenders. Generally, pre-approval can take a few days, while full approval may take one to two weeks once all documents are provided. We handle the process and keep you updated every step of the way.

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Paid In Full Home Loans

Finance structured around your goals, not the bank’s.

Paid In Full Home Loans is proud to be based in New Farm, part of Greater Brisbane in South East Queensland. We regularly assist clients across New Farm, Albion, Newstead, Nudgee, Ascot, Redcliffe, Mango Hill, Kallangur, Burpengary, Caboolture and surrounding suburbs. As your local mortgage broker in Inner City Brisbane, we understand the local property market and lending landscape. We tend to meet all of our clients that are in South East Queensland for a catchup in a coffee shop near you. It's nice to put a name to a face.
  • 2026
Paid In Full Home Loans
Bryce Blaker (ABN: 88433007978) trading as Paid In Full Home Loans, is a credit representative (400361) of LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192.
The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.

Loan type: Residential property

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