How to improve your borrowing capacity
Clean up unsecured debt, manage credit cards (the limit matters more than the balance), and consider a partner co-applicant. Three levers that move the calculator more than rate-shopping.
Three levers worth pulling
Reduce credit card limits before applying. Pay down or pause Buy Now Pay Later. Consider a partner co-applicant if their income is stable PAYG, since lenders treat PAYG income very differently to self-employed income.
Borrowing Power Calculator
Estimate how much you could borrow based on your income
This is an estimate only. Actual borrowing capacity depends on individual circumstances, lender policies, and credit assessment.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.