{"id":148644,"date":"2023-03-30T18:00:09","date_gmt":"2023-03-30T07:00:09","guid":{"rendered":"https:\/\/propertyupdate.com.au\/?p=148644"},"modified":"2023-03-31T23:20:00","modified_gmt":"2023-03-31T12:20:00","slug":"borrowing-power-calculator","status":"publish","type":"post","link":"https:\/\/propertyupdate.com.au\/borrowing-power-calculator\/","title":{"rendered":"Home or Investment Loan Borrowing Power Calculator"},"content":{"rendered":"<p>Find out how much you can borrow and what your repayments might be:<br \/>\n<!-- Start Widget Works - do not change --><br \/>\n<script src=\"https:\/\/calcs.widgetworks.com.au\/s\/binupaso\/live.js\"><\/script><br \/>\n<iframe loading=\"lazy\" id=\"wiwo-binupaso\" class=\"no-video-container\" src=\"about:blank\" width=\"100%\" height=\"200\" frameborder=\"0\" data-wiwo-init=\"false\"><\/iframe><br \/>\n<script src=\"https:\/\/calcs.widgetworks.com.au\/widget\/widget-scout.min.js\"><\/script><br \/>\n<!-- End Widget Works --><\/p>\n<p>Before you start hunting for your investment property and the perfect home it's best to get an indication of what you can borrow to make the dream a reality.<\/p>\n<p>But let's first look at everything you need to know about our home loan affordability calculator, including how it works and how it can help you determine your borrowing power.<\/p>\n<h2><span class=\"toc_link\" id=\"how-does-a-home-loan-borrowing-calculator-work\">How does a home loan borrowing calculator work?<\/span><\/h2>\n<p>A home loan borrowing calculator takes several important factors into account to determine your borrowing capacity or which size loan you may be eligible for.<\/p>\n<p>The calculator takes into account your annual income (net salary before tax) and any other income which is then compared against your outgoing monthly expenses, number of dependents, any debt (such as credit cards or other loans) and other financial commitments.<\/p>\n<p>You can then adjust the interest rate and loan term on the calculator to see how it would affect your borrowing capacity which would help to determine what type and size of loan would suit your budget and income.<\/p>\n<h2><span class=\"toc_link\" id=\"how-do-banks-calculate-mortgage-affordability\">How do banks calculate mortgage affordability?<\/span><\/h2>\n<p>Each lender calculates mortgage affordability in a different way, which means there is no \u2018hard and fast\u2019 rule to work out exactly how much you will be able to borrow until you go to apply for pre-approval with your preferred lender or preferably through an investment-savvy finance broker.<\/p>\n<p>But generally, there are five key steps banks will take to assess how much you can afford to borrow.<\/p>\n<p><strong>1. Work out how much you earn<\/strong><\/p>\n<p>Your and your partner's annual income provides the baseline for calculating your mortgage affordability.<\/p>\n<p>There are several income sources that banks will consider when calculating your overall income:<\/p>\n<ul>\n<li><strong>Base income <\/strong><\/li>\n<li><strong>Overtime income<\/strong>: Some banks will accept all of your overtime income if it is proven to be regular and ongoing. Other banks will only accept around 50% of overtime income for assessment purposes.<\/li>\n<li><strong>Bonuses<\/strong>: For a lender to include your bonus income payment, you\u2019ll have to show a two-year history to show regularity.<\/li>\n<li><strong>Commission payments<\/strong>: Some lenders will consider commissions in your gross income if it can be proven as regular and ongoing<\/li>\n<li><strong>Any tax-free income<\/strong><\/li>\n<li><strong>Rental income from investment properties<\/strong>: Lenders typically use 80% of the rent income that you receive to allow the remaining 20% for costs such as property management, repairs and council rates.<\/li>\n<\/ul>\n<p><div class=\"adplugg-tag\" data-adplugg-zone=\"the_sentiment_campaign_body_\"><\/div><strong>2. Find out about your situation<\/strong><\/p>\n<p>Borrowing jointly with your partner can significantly boost your borrowing power versus if you were a single person.<\/p>\n<p>Banks also ask for information about any dependents you have because dependents cost money. The more dependents you have the less a bank may be willing to lend and therefore the lower your borrowing power.<\/p>\n<p><strong>3. Calculate total expenses<\/strong><\/p>\n<p>Banks consider a number of factors when determining how your expenses or existing commitments may affect your borrowing power.<\/p>\n<ul>\n<li><strong>Living expenses<\/strong>: Grocery and petrol costs to daycare fees. Banks want to see an overview of all your outgoings to see how much \u2018spare\u2019 money is left after paying living expenses.<\/li>\n<li><strong>Existing Mortgages<\/strong><\/li>\n<li><strong>Credit Cards<\/strong>: Most lenders will assess your credit cards as being fully drawn, whether they are or not.<\/li>\n<li><strong>Personal Loans<\/strong><\/li>\n<\/ul>\n<p><strong>4. Add the surplus<\/strong><\/p>\n<p>Some lenders also include a non-existent expense called a \u2018buffer\u2019 to ensure your borrowing power is conservative to cover any unforeseen circumstances.<\/p>\n<p><strong>5. Calculate how much you can borrow<\/strong><\/p>\n<p>Banks will generally then use the above information to work out how much money is remaining in your budget and available to go towards your monthly mortgage repayment.<\/p>\n<p>The lender will then calculate your home loan repayment for a 30-year loan and include applicable interest rates.<\/p>\n<h2><span class=\"toc_link\" id=\"how-much-do-you-need-to-earn-to-get-a-mortgage\">How much do you need to earn to get a mortgage?<\/span><\/h2>\n<p>Do you think your income is too low to get a home loan?<\/p>\n<p>That\u2019s a myth.<\/p>\n<p>Home loan lenders don\u2019t reject people with earnings below a certain threshold, but it will mean your lending capacity is less.<\/p>\n<p>Due to the way, banks calculate mortgage affordability, as discussed above, the amount of mortgage you may be eligible for is calculated at a percentage of your income.<\/p>\n<p>Sure, if you have a low income (The Australian Taxation Office classes a taxable income of under $37,000 as a low income and eligible for the full $700 income tax offset as outlined in this year\u2019s Federal Budget, so that could be a good guide of what is considered \u2018low\u2019), your income could present issues with buying a home in today\u2019s property market, but it\u2019s not impossible.<\/p>\n<p>In fact, some lenders have specific products available which are tailored specifically for low-income earners of single-income households.<\/p>\n<h2><span class=\"toc_link\" id=\"how-accurate-are-mortgage-affordability-calculators\">How accurate are mortgage affordability calculators?<\/span><\/h2>\n<p>One of the most important things you need to do when looking to buy a property is to determine what you can afford to borrow.<\/p>\n<p>In reality, a home loan affordability calculator is as accurate as the information you input into it so while it does go some way to estimating your borrowing power, it should be used only as a starting point to determine whether home ownership is financially within your reach before applying for pre-approval and pursuing listings.<\/p>\n<p>Whilst it is always best to speak to a professional, like the team at <a href=\"https:\/\/metropole.com.au\/buy\/\" target=\"_blank\" rel=\"noopener\">Metropole<\/a>, this calculator is a great starting point of anyone looking to take on a new loan.<br \/>\n<aside><strong style=\"clear: both; margin: 40px 0 20px 0; font-size: 24px; color: #000000; font-family: Oswald, Regular; font-weight: 400; line-height: 1.1;\">Are you wondering how you should invest in this interesting phase of the property cycle?<\/strong> <img loading=\"lazy\" decoding=\"async\" class=\"wp-image-182373 size-full alignnone\" style=\"max-width: 100% !important; height: auto;\" src=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2021\/05\/01.jpg\" alt=\"Metropole Property Strategists\" width=\"800\" height=\"213\" srcset=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2021\/05\/01.jpg 800w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2021\/05\/01-300x80.jpg 300w, https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2021\/05\/01-600x160.jpg 600w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/>\r\n<p>If you're like many property investors, you're probably wondering what's the right thing to do at present.<\/p>\r\n<p>Should you buy, should you sell, or should you just wait?<\/p>\r\n<p>You can trust the team at Metropole to provide you with\u00a0<strong>direction<\/strong>,\u00a0<strong>guidance<\/strong>,\u00a0and\u00a0<strong>results<\/strong>.<\/p>\r\n<p>Whether you\u2019re a beginner or an experienced investor, at times like we are currently experiencing you need an advisor who takes a holistic approach to your wealth creation and that\u2019s exactly what you get from the multi-award-winning\u00a0<a href=\"https:\/\/metropole.com.au\/meet-the-team\/?utm_source=pu-postender&amp;utm_medium=referral\">team at Metropole<\/a>.<\/p>\r\n<p>We help our clients grow, protect and pass on their wealth through a range of services including:<\/p>\r\n<ol>\r\n<li><strong>Strategic property advice<\/strong>\u00a0\u2013 Allow us to build a <strong>Strategic Property Plan<\/strong> for you and your family.\u00a0 Planning is bringing the future into the present so you can do something about it now! <a href=\"https:\/\/metropole.com.au\/strategic-property-plan\/?utm_source=pu-postender&amp;utm_medium=referral\" rel=\"sponsored\">Click here to learn more <\/a><\/li>\r\n<li><strong>Buyer\u2019s agency<\/strong> \u2013 As Australia\u2019s most trusted buyers\u2019 agents we\u2019ve been involved in over $4Billion worth of transactions creating wealth for our clients and we can do the same for you. Our on the ground teams in Melbourne, Sydney, and Brisbane bring you years of experience and perspective \u2013 that\u2019s something money just can\u2019t buy. We\u2019ll help you find your next home or an investment-grade property.\u00a0\u00a0<a href=\"https:\/\/metropole.com.au\/home-buying\/?utm_source=pu-postender&amp;utm_medium=referral\" rel=\"sponsored\">Click here to learn how we can help you<\/a>.<\/li>\r\n<li><strong>Property Development<\/strong> - We enable you to become an \u201carmchair developer\u201d and get all the benefits of property development without getting your hands dirty. We take the hassles out of your investment by assisting you with all the expertise you need, from concept to completion, including construction. <a href=\"https:\/\/metropole.com.au\/develop\/?utm_source=pu-postender&amp;utm_medium=referral\">Click here to see if it\u2019s the right way for you to grow your portfolio<\/a>.<\/li>\r\n<li><strong>Wealth Advisory<\/strong> \u2013 We can provide you with strategic tailored financial planning and wealth advice. <a href=\"https:\/\/wealthadvisory.metropole.com.au\/?utm_source=pu-postender&amp;utm_medium=referral\" rel=\"sponsored\">Click here to learn more about we can help you<\/a>.<\/li>\r\n<li><strong>Property Management<\/strong> \u2013 Our stress-free property management services help you maximise your property returns. <a href=\"https:\/\/propertymanagement.metropole.com.au\/?utm_source=pu-postender&amp;utm_medium=referral\" rel=\"sponsored\">Click here<\/a> to find out why our clients enjoy a vacancy rate considerably below the market average, our tenants stay an average of 3 years, and our properties lease 10 days faster than the market average.<\/li>\r\n<\/ol>\r\n<\/aside><br \/>\n<div class=\"adplugg-tag\" data-adplugg-zone=\"the_sentiment_campaign_mobile_\"><\/div>\r\n<div class=\"adplugg-tag\" data-adplugg-zone=\"the_sentiment_campaign_desktop_\"><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Find out how much you can borrow and what your repayments might be: Before you start hunting for your investment property and the perfect home it&#8217;s best to get an indication of what you can borrow to make the dream a reality. But let&#8217;s first look at everything you need to know about our home&#8230;<\/p>\n","protected":false},"author":3,"featured_media":148645,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[3],"tags":[1183],"class_list":["post-148644","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-property-investment","tag-homepage-top"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Borrowing Power Calculator for Australia&#039;s Home Loan<\/title>\n<meta name=\"description\" content=\"You can find our home loan affordability calculator along with all the information you need to know about it here.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/propertyupdate.com.au\/borrowing-power-calculator\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Borrowing Power Calculator for Australia&#039;s Home Loan\" \/>\n<meta property=\"og:description\" content=\"You can find our home loan affordability calculator along with all the information you need to know about it here.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/propertyupdate.com.au\/borrowing-power-calculator\/\" \/>\n<meta property=\"og:site_name\" content=\"Property Update\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/michael.yardney\" \/>\n<meta property=\"article:published_time\" content=\"2023-03-30T07:00:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-03-31T12:20:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/11\/calculator3-1160x773.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2000\" \/>\n\t<meta property=\"og:image:height\" content=\"1333\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Michael Yardney\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@michaelyardney\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/propertyupdate.com.au\/borrowing-power-calculator\/\",\"url\":\"https:\/\/propertyupdate.com.au\/borrowing-power-calculator\/\",\"name\":\"Borrowing Power Calculator for Australia's Home Loan\",\"isPartOf\":{\"@id\":\"https:\/\/propertyupdate.com.au\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/propertyupdate.com.au\/borrowing-power-calculator\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/propertyupdate.com.au\/borrowing-power-calculator\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/11\/calculator3-1160x773.jpg\",\"datePublished\":\"2023-03-30T07:00:09+00:00\",\"dateModified\":\"2023-03-31T12:20:00+00:00\",\"author\":{\"@id\":\"https:\/\/propertyupdate.com.au\/#\/schema\/person\/990a532db1379e42c0516500a108f4ae\"},\"description\":\"You can find our home loan affordability calculator along with all the information you need to know about it here.\",\"breadcrumb\":{\"@id\":\"https:\/\/propertyupdate.com.au\/borrowing-power-calculator\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/propertyupdate.com.au\/borrowing-power-calculator\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/propertyupdate.com.au\/borrowing-power-calculator\/#primaryimage\",\"url\":\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/11\/calculator3-1160x773.jpg\",\"contentUrl\":\"https:\/\/cdn.propertyupdate.com.au\/wp-content\/uploads\/2020\/11\/calculator3-1160x773.jpg\",\"width\":2000,\"height\":1333,\"caption\":\"Calculator3\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/propertyupdate.com.au\/borrowing-power-calculator\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/propertyupdate.com.au\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Home or Investment Loan Borrowing Power Calculator\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/propertyupdate.com.au\/#website\",\"url\":\"https:\/\/propertyupdate.com.au\/\",\"name\":\"Property Update\",\"description\":\"Real Estate Investing Advice &amp; 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