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Maximum Borrowing Calculator

Maximum Borrowing Calculator

This calculator estimates how much you may be able to borrow, and if such borrowing is generally considered affordable if interest rates rise.

Some people may be able to borrow higher multiples according to their personal circumstances and lending market conditions at the time, if they are willing to accept the risks involved.*

*For example, if you borrow 6x salary, an increase in mortgage rates could result in payments that you can no longer afford, and you could lose your home. Borrowing at high multiples is normally only suitable for those used to taking very high risks (and willing to accept the potential consequences), or those who expect a significant increase in income or change in personal financial circumstances.








