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Input your income and expenses to estimate how much you may be able to borrow for your next home or investment property.

Home loan borrowing power calculator

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Frequently asked questions

You can potentially increase your borrowing power by reducing your debts, decreasing your monthly expenses, borrowing with a joint applicant or through changes in your income.

Your borrowing power may have decreased based on changes in your personal circumstances, such as an increase in monthly expenses, taking on additional debts or decrease in income.

Borrowing power is calculated using a combination of income and expense details you provide, such as salary, dependants, monthly living expenses and other loans or credit cards, if applicable. Find out how much you could borrow by using our calculator.

Although every effort has been made to ensure the accuracy of our calculators, the results should be used as an indication only.

This is where our home loan borrowing power calculator can help. Input a few details such as the amount you wish to borrow and the repayment term to get an accurate indication of what you can afford to pay.