Australian lenders assess your borrowing capacity using a serviceability buffer — currently 3% above the actual rate (APRA requirement). This calculator applies that buffer to give you a realistic estimate of your borrowing power.
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Estimated Borrowing Power
$143,000
Assessed at 9.50% (includes 3% APRA buffer)
This is a guide only. Actual borrowing capacity depends on lender policy, credit history, and full financial assessment. Speak to Atish for a detailed assessment.