How much can I borrow?

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    Find our how much lenders can loan to you

    Not sure how much you can borrow, based on your income and expenses? Let’s get serious and work it out! This calculator is intended to help determine your borrowing power by providing a snapshot of how much a lender is willing to loan you based on income, expenditures and the home loan interest rate.

    Take it a step further – Use this calculator with the Reduce Home Loans Mortgage Repayment Calculator to work out your repayments based on the amount you can borrow.

    Enter your income and expenses to estimate how much you may be able to borrow for a home loan. If you have any questions or you’re ready to borrow, give a Reduce Home Loans broker a call.

    Please note: The results of this calculator are estimates and provided as a guide only. Calculations should not be considered as any form of quote, loan offer, or lending advice.

    Need a hand?

    Remember, you can talk directly to one of our accredited Personal Finance Managers on 1300 REDUCE (733 823). They’ll answer any of your questions and you can even apply for a home loan on the spot.

    Want a call back? Fill in a no-obligation enquiry form or speak to our live chat representatives and the next available Personal Finance Manager will call you back.

    HOME LOAN CALCULATORS

     

    Extra repayment calculator

    Pay off your loan quicker with extra repayments. Find out how much quicker with this calculator.

     

    how much can i borrow?

    Find out how much you can expect our funders to lend you based on your income and living expenses.

     

    Mortgage offset calculator

    With an offset account attached to your loan, you can reduce the amount of interest you pay.

     

    P&I / Interest only calculator

    Compare repayments between principal and interest, and interest only options, or find the total cost of these loans.

     

    stamp duty calculator

    Purchasing a property? Find out how much stamp duty you’ll pay based on your state and purchase price.

     

    FINANCE CALCULATORS

    BUDGET CALCULATOR

    Curious about your own budget? Calculate your finances and figure out your cash flow here.

     

    savings goal calculator

    If you’ve got a goal for your savings, this calculator can help you understand how long till you reach it.

     

    compound interesT

    Calculate how much you can save with regular deposits in a savings account accruing interest over time.

     

    Income tax calculator

    Find out exactly how much government tax you would pay based on your annual income.

     

    what can i afford to borrow?

    How much can you really afford? This calculator helps you determine your maximum borrowing power.

     

    Find the Cheapest Home Loan that’s right for you

    No matter what stage of the home loan journey you’re at, we’re here to help you find a great rate across variable, fixed or a mix of both.

    Our home loan range also offer great features and flexibility, so you can apply with confidence.

    COMPARE OUR HOME LOANS

    Compare rates, features and fees across all our home loans in this easy table.