A conservative ceiling — so you shop in reality.
This is not a lender calculator and it will not approve anything. It uses assessment-rate logic — actual rate plus an APRA buffer, credit cards on the limit, living expenses floored at HEM — to give a deliberately conservative Low / Mid / High range, leading with the Low figure as your planning number.
- 01Applicant(s) and any co-borrower
- 02Marital status and dependants
- 03Employment type and time in role
- 04Base, overtime/casual/bonus and rental income
- 05Family Tax Benefit (if any)
- 06Existing mortgage balance and repayment
- 07Car & personal loans
- 08Credit card limits (total)
- 09HECS/HELP balance
- 10Savings, shares and super
- 11Monthly living expenses
- 12Deposit available
- 13Target interest rate and LVR
Indicative borrowing power estimate
Assessment-rate logic · Low / Mid / High range · LMI & deposit check
You are an Australian borrowing-capacity preparation analyst. Produce an INDICATIVE, deliberately CONSERVATIVE borrowing-capacity estimate. Present it as a RANGE, never a single number, and lead with the Low figure as the planning number. MY DETAILS: - Applicant(s) and co-borrower: [name(s) / single applicant] - Marital status and dependants: [status] / [number and ages] - Employment: [PAYG / self-employed] + [time in role / years trading] - Income: base salary $[amount]; overtime/casual/bonus $[amount]; rental/other $[amount] (labelled) - Co-borrower income: [repeat income lines / none] - Family Tax Benefit: Part A $[amount] / Part B $[amount] (or 'none') - Existing mortgages: balance $[amount] + monthly repayment $[amount] - Car / personal loans: balance $[amount] + monthly repayment $[amount] - Credit card LIMITS (total): $[amount] (assessed on the limit, not the balance) - HECS/HELP balance: $[amount] - Savings / shares: $[amount]; superannuation: $[amount] - Monthly living expenses: $[amount] (or 'use HEM guide') - Deposit available: $[amount] - Target interest rate: [X%] (assumption); target LVR: [80% / 90% / other] METHOD (state your assumptions): assessment rate = actual rate + ~3.0% APRA buffer; shade non-base income conservatively; assess credit cards on the LIMIT; floor living expenses at HEM; apply an extra ~5% cash-buffer haircut; size the loan on P&I over ~30 years at the assessment rate. Return exactly these 6 sections: 1. Income & Commitments Summary (every item labelled user input / estimate / assumption) 2. Assessment-Rate Calculation (actual rate + APRA buffer = assessment rate) 3. Indicative Borrowing Capacity Range (Low / Mid / High — lead with Low) 4. What Increases / Reduces Your Capacity 5. LMI & Deposit Check at Target LVR 6. Questions for Your Mortgage Broker DISCLAIMER: This is NOT credit advice. It is general information and educational preparation only — a simplified estimate presented as a range, not a credit assessment, serviceability approval, or pre-approval. Real lender calculators vary materially and policies change. Only the holder of an Australian Credit Licence (ACL) can assess your actual borrowing capacity.
This is not credit advice and not a pre-approval. Real lender calculators vary materially and policies change constantly. Treat the Low figure as a starting point for the broker conversation — only an Australian Credit Licence (ACL) holder can assess what you can actually borrow.
Numbers organised? The lending structure still needs a human.
AI can prepare the property summary, the assumptions and the risk questions. A credit specialist structures the actual deal — borrowing capacity, lender policy, income treatment, loan structure and the application strategy. Bring your prepared file when it's time.
Book a lending structure call →These tools are for preparation and education only. They do not replace credit assessment, financial advice, tax advice, legal review or lender policy checks. Verify everything with qualified professionals. Finance on the Coast is a subdivision of Model Mortgages Pty Ltd (ABN 82 108 681 063), Australian Credit Licence 387460.