Borrowing power
How much could you borrow?
An indicative estimate built on APRA style serviceability, your income, your commitments and a buffered assessment rate. It is not an offer of credit or a pre approval. Your real borrowing capacity depends on the lender, your full position and a proper assessment. Edit any assumption below.
Talk to a Vairo broker
Get a lender-ready borrowing strategy in one call.
We compare 70+ lenders, structure your loan around DHOAS, HPAS and first-home incentives, and make sure your subsidy actually pays the loan down.
Instant borrowing estimate
Enter your income and expenses to estimate how much you could borrow.
Take-home pay gives the most conservative estimate.
Prefilled with a HEM benchmark of $1,980 for a single in Australia-wide average. Type to override.
Car loans, personal loans, credit card minimums.
Monthly surplus
$0
Repayment @ assessed rate
$0
Assessment rate
9.10%
Ready to move forward?
Turn your estimate into a pre-qualified position.
The calculator is a starting point. A Vairo broker can confirm your actual borrowing capacity across multiple lenders, factor in defence allowances, and structure the loan so you keep more equity.
- 70+ lenders compared side by side
- DHOAS, HPAS and HPSEA structured in
- No cost, no obligation strategy call