How much can you actually borrow?

A mortgage broker on the Gold Coast for residential, investor, and self-employed home loans. Run the borrowing-capacity calculator across our 63-lender home-loan panel and see where each lender lands. The spread between highest and lowest borrowable for the same borrower is typically 20–40% — the gap bank calculators are designed not to show you.

Run the calculator → Self-employed version →

Panel data current as at March 2026. Refreshes when AFG releases a new lender matrix (every 2-3 months).

Why the calculator gives a different number to your bank

A bank's calculator

One number, tuned conservative

A single assessment rate. Generic income shading. Simplified liability handling. Designed to give a number the bank is confident lending against — not to surface what the lender across the street would do with the same borrower.

Our calculator

The real spread across the panel

Each lender's actual assessment rate (8.0%–9.0%+ depending on buffer policy). Each lender's DTI cap (6.0× to 8.0×). HEM by household composition. Income shaded by employment type and frequency rules. Liabilities at lender-specific multipliers.

What's behind every number on your results page

Real lender policy, not generic averages. Imported from AFG's quarterly lender-information matrix — the same source the AFG FLEX simulation runs on.
Each lender assessed individually. For every panel lender we shade your income, calculate your liability servicing, apply HEM, reverse-amortise to maximum principal, then check the DTI cap. Whichever ceiling kicks in first is your real number with that lender.
Honest about cadence. AFG releases a new lender matrix every 2-3 months — not weekly, not in real time. The result page always shows the data refresh date so you know how fresh the numbers are.
Honest about what it can't do. Postcode policy, the September 2025 HECS changes, multi-entity self-employed structures — all simplified in v1 and flagged on the methodology page. For deal-binding figures we run the actual lender's servicing calculator at deal stage.

About the broker

Richard Esteb · Mortgage Broker · Gold Coast, Queensland

Solo brokerage built around a single idea: most borrowers are getting matched to lenders that fit the broker, not the borrower. The calculator suite exists to make the spread visible — so by the time we talk, you already know the shape of your panel and we can spend the conversation on the policy fine print that actually moves your number.

ASIC Credit Representative #574071
Authorised under AFG (Australian Credit Licence #389087)
Diploma of Finance and Mortgage Broking Management
Specialisations: PAYG, self-employed, investor lending, complex income
Geographic focus: Gold Coast and broader Queensland

Read the full bio →

Run your numbers

Five minutes. 63 lenders. The real spread. No commitment, no broker call unless you ask for one.

Start the calculator →