Borrowing power calculator

Calculate your borrowing power and estimate how much you could borrow for a home loan before you start your property search.

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How are interest rates determined?

25 Nov 2025 | 4 minute read

In case you missed anything

Borrowing power (or borrowing capacity) is the amount you can borrow from a lender or bank. It is typically equivalent to your potential loan amount.

Learn more about what borrowing power is here. You can also try our borrowing calculator.

Borrowing calculators estimate how much you are able to borrow while taking into consideration a number of factors:

  • Are you borrowing by yourself or with someone else?
  • What is your income?
  • What debts, liabilities and expenses do you have?
  • What are your loan terms? For eg: 30 years.

We calculate your monthly home loan repayment by considering the following factors:

  • The total loan amount.
  • The estimated total interest charged over the loan term (until the loan settlement date).
  • The annual rate discount that increases every year (up to 30 years).

We divide that total amount by up the length of your loan term to determine your monthly repayment.

Please note that these calculations for home loans are based on our current advertised rate, and assume this rate continues for the life of the loan. Interest rates may change at any time.

Everyone's borrowing power is different. You can use an online borrowing calculator (like ours!) to get an indication of how much you might be able to borrow.

In addition to your deposit, there are other upfront costs associated with purchasing a home. These include stamp duty, legal and conveyancing fees, inspection costs and other fees. Learn more about the costs of buying a home.

General

Calculations are estimates provided as a guide only. They are calculated based on our current advertised variable rate, and assume this rate continues for the life of the loan. Interest rates may change at any time. Your actual repayments and savings will change if our variable reference rates change.

Should you take out a home loan with Unloan, discounts applied during the life of the loan will be applied to the relevant reference rate at that time.

Fees and charges are payable. The calculations do not take into account fees, charges or other amounts that may be charged to your loan (such as stamp duty or government fees). Any of these additional amounts may impact how much you can borrow and will increase repayments under the loan.

Calculations are not a loan approval. Applications are subject to credit approval, satisfactory security and minimum deposit requirements. Full terms and conditions will be set out in our loan offer, if an offer is made.

*Comparison rate is calculated on a $150,000 secured loan over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

^Rate shown is for up to 80% LVR and principal and interest repayments. All rates are for new loans only and may differ for existing loans. Rates shown are inclusive of a 0.01% p.a. loyalty discount off our variable reference rate. On each anniversary of your loan’s settlement date, you will receive an additional discount of 0.01% per annum on your current variable rate, up to a maximum discount of 0.30% per annum in year 30. The loyalty discount is applied to your variable rate at the relevant time, and this rate may increase or decrease over your loan term. For more information view our rates and features.

Borrowing power calculator

The Borrowing Power calculations are intended as a guide only and are estimates based on the information you input. For loans with a Loan-to-Value ratio (LVR) between 80.01% and 90%, a higher interest rate applies. In some cases, depending on the property’s location or type, we may only be able to lend you up to 70% of the property’s value.