Australian Mortgage Borrowing Power Calculator (APRA 3% Buffer)
Estimate maximum home loan borrowing capacity based on APRA's mandatory 3.0% serviceability buffer, net income, HEM living expenses, and debts.
Estimate maximum home loan borrowing capacity based on APRA's mandatory 3.0% serviceability buffer, net income, HEM living expenses, and debts.
Estimate maximum home loan borrowing capacity based on APRA's mandatory 3.0% serviceability buffer, net income, HEM living expenses, and debts. Calculate exact, penny-accurate projections compliant with 2026 ATO • Reserve Bank of Australia (RBA) standards using Calconova's deterministic IEEE-754 (Decimal.js) calculation engine with instant breakdowns.
Surplus servicing buffer: $4,221.00/month
Borrowing Capacity = Monthly Net Surplus ÷ Present Value Annuity Factor (at Rate + 3.0% Buffer)Assessed Living Costs = max(Declared Living Expenses, Household Expenditure Measure).
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual ATO tax rates, superannuation rules, RBA cash rates, and lender criteria may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult an ASIC-licensed financial advisor or CPA prior to executing financial commitments.
The Australian Prudential Regulation Authority (APRA) mandates that Australian lenders assess your ability to repay a home loan at an interest rate at least 3.0 percentage points higher than your actual contract rate.
HEM is a standard benchmark used by Australian mortgage lenders to estimate basic living costs based on location, marital status, and number of children. Banks will use HEM if your declared expenses are lower.
Australian banks assess credit cards at around 3.8% of your total credit limit per month as a liability, even if you pay your card off in full to $0 every month!
Calculate property purchase stamp duty across NSW, VIC, QLD, WA, SA, TAS, ACT, and NT with first-home buyer exemptions and foreign buyer surcharges.
Calculate how much interest and loan term you save by keeping savings in a 100% mortgage offset account compared to a standard home loan.
Estimate LMI premium costs when borrowing over 80% LVR, and see how much you save using the Federal Government's 5% First Home Guarantee (FHG).