How much could you borrow?

• Australian resident individual income tax rates for the 2026–27 income year are used for a simplified after-tax income estimate, together with an estimated 2% Medicare levy. Offsets, deductions, HELP withholding, Medicare levy surcharge and individual tax circumstances are not fully modelled.
• Only 80% of gross rental income and other income is included. Actual lender treatment varies by income type, evidence, consistency, property costs and credit policy.
• The assessment rate is the higher of the entered interest rate plus 3.00 percentage points or 8.50% p.a.
• Credit card commitments are estimated at 3.8% of total limits per month. Individual lenders may apply a different percentage.
• A simplified minimum household expense floor is applied where declared expenses are lower. It is not a lender HEM figure and may not reflect your actual expenses.
• The estimate assumes principal-and-interest repayments over the selected term. Lenders may assess existing and proposed debts differently.
• The displayed range is approximately 10% below and above the central estimate and is not a representation of available lender offers.

This calculator provides an indicative estimate based only on the information entered and the simplified assumptions described above. It is a model, not a prediction. Results may be materially higher or lower than the amount a lender is willing to approve.

Actual borrowing capacity depends on lender credit policy, verified income, employment type and history, living expenses, existing debts, credit limits, dependants, credit history, property type and location, loan purpose, repayment type, loan term, interest rates, loan-to-value ratio, lender assessment floors and buffers, and other circumstances.

CCS Lending does not guarantee that finance will be available or that any lender will approve a particular amount, rate, product or structure. A formal application, supporting documents, responsible lending assessment, valuation and lender approval will be required.

Before acting, obtain a personalised assessment and consider independent legal, tax and financial advice appropriate to your circumstances.

This version performs calculations in your browser and does not transmit the figures entered through the calculator itself. Selecting the assessment button will take you to the CCS Lending pre-qualification page, where separate privacy terms may apply.