Quick read:Banks assess at 3% above current rates to build in a buffer. Your actual limit depends on the lender, your credit file, and the property itself.
Your inputs go with it, so you won’t need to type them again. A review is not a loan approval or a rate offer.
This is an estimate only and does not constitute financial or tax advice. It works from your income after tax, Medicare and any HELP repayment, then tests the loan at the buffer rate over your chosen term. It does not apply a lender's living-expense benchmark or income cap, so expect your actual limit to differ. Always get a formal pre-approval.
Every lender assesses this differently — living-expense benchmarks, how they treat HECS and existing card limits, and the buffer rate they apply. Two lenders can land more than $100k apart on the same income.