How much can you actually borrow?

Bank calculators show one number, tuned conservative. Across the 63 active home-loan lenders this tool evaluates, the spread between highest and lowest borrowable for the same borrower is typically 20–40%.

• Real assessment rates per lender from the AFG panel data. Not a generic 8.75%.
• Each lender's actual DTI cap — 6.0×, 6.5×, 7.0×, 7.5×, 8.0× — applied per lender.
• Honest about cadence: panel data refreshes when AFG releases new matrices (quarterly, ~2-3 months).
• Methodology transparent: see how the calculation works.

Estimate only. We use each panel lender's published methodology, but final figures are confirmed against the lender's own calculator at deal stage.

Self-employed (sole trader, company, trust)? Use the self-employed version →