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Mortgage Calculators

Borrowing Power Calculators: Your Key to Financial Clarity

Discover how much you can comfortably repay on a home loan with our Affordability Calculator or find out your borrowing capacity using our Maximum Loan Calculator

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Calculate Borrowing Power
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Borrowing Power Calculator Purpose

The Borrowing Power Calculator helps prospective borrowers determine how much they can borrow based on their income, expenses, and other financial commitments. This tool provides a clear picture of your borrowing capacity, aiding in better financial planning.

Required Information

  • Income (salary, rental income, etc.)
  • Expenses (living costs, existing loan repayments, etc.)
  • Loan details (desired loan term, interest rate)

1
Enter Income:
  • Input your total income from all sources. This includes salary, rental income, and any other regular income streams.
  • Enter the annual amount for each income type.
2
List Expenses:
  • Provide details of your regular expenses, including living costs (utilities, groceries, transportation, etc.) and existing loan repayments.
  • Enter monthly expenses for accuracy.
3
Specify Loan Details:
  • Input the desired loan term in years.
  • Enter the interest rate for the loan. This can be found in your loan agreement or by contacting your lender.

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Discover Your Indicative Interest Rate

Get your best interest rate

Get an estimate of your interest rate and monthly repayments without affecting your credit score.

Calculate Your Borrowing Power

See How Much You Could Borrow

Estimate how much you may be eligible to borrow based on your income and expenses.  

Crunch the numbers with our loan calculators

Our tools are not just calculators; they are your first step towards smarter financial planning. 

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Step 1: Initial Consultation

Personalised Assessment: We begin with a one-on-one consultation to understand your specific needs, financial situation, and long-term goals.

Information Gathering: We'll discuss the type of property you are interested in, its size, location, and your financial details to tailor the best loan options.

Step 2: Exploring Finance Options

Presenting Choices: Based on our initial consultation, we'll present a range of loan products from various lenders that best suit your unique requirements.

Expert Guidance: Our team will explain the pros and cons of each option, interest rates, repayment structures, and any special conditions.

Step 3: Application Preparation

Document Compilation: We assist in gathering all necessary documentation, including proof of income, property details, and any other required financial information.

Application Submission: We ensure your loan application is comprehensive and robust, increasing the likelihood of approval.

Step 4: Loan Processing

Lender Liaison: We act as your advocate, liaising with lenders to navigate the complexities of the lending process.

Status Updates: Regular communication is maintained throughout the loan processing phase, keeping you informed at every step.

Step 5: Approval and Settlement

Approval Notification: Once approved, we'll discuss the loan agreement details, ensuring you understand all aspects of the contract.

Settlement Coordination: We coordinate the settlement process, ensuring all legal and financial requirements are met for a smooth transaction.

Step 6: Ongoing Support

Post-settlement Assistance: Our relationship doesn’t end at settlement. We offer ongoing support for any future adjustments or refinancing needs.

Continuous Partnership: We take pride in being a part of your financial journey, committed to helping you achieve and maintain your financial goals.

Loan Application Process

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