Borrowing Capacity Calculator

How much can I borrow for a home loan? Estimate your borrowing capacity with our home loan calculator.

Low rates and fees

Read our first home buyers guide to understand how the home buying process works.

Your home loan deposit determines what loan you qualify for and what property you can afford.

To get into the property market sooner, you may consider LMI instead of waiting for the 20% deposit.

As a first home buyer, you might be eligible for the First Home Owner grant, check out if you qualify.

Get started online with our easy online home loan application!
Talk to a dedicated Loan Consultant to discuss your home ownership objectives and help you work out the best solution.
We then verify your information by receiving some supporting documentation, e.g. payslips, bank statements or tax returns.
Receive pre-approval to give you confidence in your borrowing capacity so that you can attend an auction or place an offer on a property.
Buy your dream home or investment property - you are ready to purchase a property. Go for it!
Now that your offer on a property is accepted, you send us the contract of sale and we engage an independent property valuer to perform a valuation.
The credit team reviews the valuation report and makes a final assessment on your application.
Our solicitors send you the loan contract via email to read, sign and return.
Now it is time for settlement, our solicitors will work with your conveyancer to settle the property.
You're a property owner! Congratulations!

We consider your time, yourcircumstances and your wallet.