Home — Free Tool
Loan Affordability Calculator
Find out how much you can borrow, what your monthly repayments will be, and how rising interest rates affect your budget.
Your situation
$
$
Existing monthly repayments
$
Loan terms
$
Leave as 0 to see max borrowing only
Monthly repayment
$2,843
Max you can borrow
$437,500
Loan amount
$440,000
Total interest
$412,900
Total repaid
$852,900
Principal
Interest
Rate stress test — what if rates rise?
+1% (7.5%)
$3,021
+$178/mo
+2% (8.5%)
$3,207
+$364/mo
+3% (9.5%)
$3,401
+$558/mo
Estimates only. Max borrowing uses 28% front-end DTI rule. Actual lending depends on credit score, lender policy and local regulations. Not financial advice.
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