ALS Mortgage Solutions

Borrowing Capacity Calculator

Calculate how much you can borrow based on your income and expenses

Borrowing Capacity Calculator

Calculate your borrowing capacity based on your income, expenses, and financial situation. Get an instant estimate of how much you could borrow for your home loan.

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Important Information

This calculator provides estimates for illustrative purposes only. Results are based on the information you provide and should not be considered financial advice. Actual loan terms may vary. Contact our team for personalized advice.

Understanding Your Borrowing Capacity

Your borrowing capacity is the maximum amount a lender will allow you to borrow based on your financial situation. Lenders assess several factors when determining how much you can borrow:

Income Factors

  • •Your gross annual income (salary, wages, bonuses)
  • •Additional income sources (rental, investments)
  • •Employment stability and type

Expense Factors

  • •Monthly living expenses and commitments
  • •Existing debts (credit cards, personal loans)
  • •Number of dependents

Tips to Increase Your Borrowing Capacity

  • ✓Reduce existing debts and credit card limits
  • ✓Improve your credit score by paying bills on time
  • ✓Consider applying with a partner to combine incomes
  • ✓Save a larger deposit to reduce loan amount needed
  • ✓Provide evidence of stable employment history

Helpful Resources

Guides & Information

First Home Buyer Guide

Everything you need to know about buying your first home

Investment Property Guide

Build wealth through strategic property investment

Construction Loans Guide

Finance your dream home build with construction loans

Government Benefits

Grants & Offers

Available Support & Schemes

First Home Guarantee: Buy with as little as 5% deposit without LMI

First Home Owner Grant: Up to $10,000 for eligible first home buyers

Stamp Duty Concessions: Reduced or waived stamp duty for eligible buyers

Home Builder Grant: Financial assistance for new builds and renovations

Learn More About Benefits
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