Borrowing power calculator

See roughly what you could borrow.

An indicative estimate based on the numbers you enter. Your real figure depends on which lender assesses your file — and how they read your Defence income.

Base pay plus allowances, pension or DVA income — enter the lot. We work out what each lender will actually count.
%
Everyday costs — food, transport, utilities, insurance. Excludes rent and loan repayments.
Car loans, personal loans, and about 3.8% of any credit card limits.
Indicative borrowing power
$0
Enter your details to estimate
Assessment rate used—
Est. monthly surplus—
Est. monthly repayment—
Get your real number

Indicative only. Not a loan offer, approval, or an assessment of your eligibility.

Why this is only a starting point

The calculator can't see which lender you should use.

This estimate applies one flat assessment rate and a standard expense benchmark. Real lenders don't — each writes its own policy on how service allowances, a CSC pension and DVA income are counted, and the same figures can produce materially different results across the panel. The number that matters is the one from the lender that reads your income properly. That's the whole job.

Book a call

This calculator provides an indicative estimate only, based solely on the information you enter and general assumptions including a serviceability buffer added to the interest rate and a standard living-expense benchmark. It is not credit assistance, financial advice, a loan offer, a pre-approval, or an assessment of your eligibility for any loan. It does not take into account your objectives, financial situation or needs, or individual lender credit policies, fees, or charges. Actual borrowing capacity is determined by a lender at the time of application and may be higher or lower than the figure shown. Lending criteria, terms, conditions, fees and charges apply. You should seek advice specific to your circumstances before making any decision.