How much can I borrow? Calculator & Guide

How much money can I borrow?

When taking out a home loan, everyone’s existing and future financial situations are going to be somewhat unique – so let’s first take a look at what the lending industry thinks before investigating the additional factors that are likely to be applicable to you as an individual.

The lending industry indirectly recommends that people not borrow more than 80% of the property value through the general application of policies which enforce that borrowers pay for Lenders Mortgage Insurance (LMI) in order to be approved for a loan worth more than that.

Effectively, they are saying that buyers should have at least a 20% property deposit saved. A 20% deposit on a $450,000 house is $90,000!

Essentially, lenders are protecting themselves from a situation where:

a borrower ‘defaults’ on the mortgage (unable to pay or ‘service’ the loan), forcing the bank to repossess the property AND
the value of the property has fallen to be worth less than what’s owed on the mortgage

In this situation, the lender might not be able to fully recover what’s owed to it by selling the repossessed property – resulting in a loss for the lender.

Can’t afford a 20% deposit?

You may still be able to be approved for a home loan with a deposit of under 20% of the property’s value. For many lenders, the minimum required deposit is often 5%.

But there are two things you should consider when applying for a home loan with a deposit under 20%:

Lender’s mortgage insurance: Typically, borrowers that don’t have a deposit of at least 20% are required to pay for LMI, which can add tens of thousands to the cost of the mortgage, depending on the lender and what loan-to-value ratio (LVR) percentage you have.
Guarantors: If you can get one of your family members to act as a guarantor, you may be approved for the mortgage without having to pay LMI. To be successful, the family member must be able to demonstrate either their own capacity to repay your loan and be willing to be liable for your home loan if you default on a payment or to put their own property equity forward as collateral.

How much should you borrow for a mortgage?

No matter which path you take with your deposit and securing a loan approval, it’s essential to calculate your personal finances to give you a better idea of just how much you should (not ‘could’) borrow. Here are five things to consider before taking out a mortgage.

1. Household income

When assessing your finances, ask yourself what kind of lifestyle you want. Are you single? Married? Have a baby on the way? Do you like designer shoes or do you eat out regularly? Ask yourself if you’re willing to make sacrifices and if so, where are you going to reduce your spending? Your household income is one of the first things a lender will look at when determining if you’re eligible for a home loan. If you can show a record or budget of your spending habits per week, this can help prove you’ll be able to meet the repayments required.

2. Credit rating

A credit rating, or credit score, is the next thing a lender will look at to determine how much a risk you are as a borrower. Many people don’t ever check their credit rating and are surprised when their application gets refused. It’s a good habit to check your credit rating once a year to make sure you’re either on the right track or working towards improvement.

3. Property price and value

The next thing a lender will assess is the type of property you’re interested in and what purpose you’re buying the property for. Is it an investment property or are you looking to live in the home as an owner-occupier?

Another important thing to consider is the value or potential future value of the property you’re purchasing. Are you buying a house, apartment or land?

These questions will all have an impact on your borrowing power.

4. Home insurance

Home insurance is designed to protect your property from damage caused by events out of your control. As your home is your biggest investment, it’s important you ensure you’re able to afford home insurance before applying for a home loan.

5. Other costs

Similar to home insurance, there are a number of costs (both upfront and ongoing) associated with buying and owning a property. A few of these include stamp duty, LMI (if applicable), home loan establishment fees, legal and inspection costs, council rates, water utility rates and general property maintenance.

Buying a home is a big decision and should not be taken lightly. Assessing your borrowing capacity is just one of the ways to determine how much you can borrow for a home loan, but working out how much you should borrow will always be a personal decision based on a raft of other individual factors including how much risk you can tolerate and how much you are willing to sacrifice to ensure that you can make the most of your valuable property purchase.

Looking for a home loan?

Buying a home or looking to refinance? The table below features home loans
with some of the lowest interest rates on the market for owner occupiers.

Loan amount

Compare

Lender	Advertised rate	Comparison rate*	Monthly repayment	Rate Type	Ongoing Fee	Upfront Fees	Max LVR	as ofDecember 21, 2024

	6.04^%_p.a.	6.08^%_p.a.	^$2,408	Variable	^$0	^$530	90^%	More details
FEATURED4.6 Star Customer Ratings	loans.com.au – Variable Home Loan (LVR < 90%) Available for purchase or refinance, min 10% deposit needed to qualify. No application, ongoing monthly or annual fees. Quick and easy online application process.
Disclosure
FEATURED4.6 Star Customer Ratings loans.com.au – Variable Home Loan (LVR < 90%) Available for purchase or refinance, min 10% deposit needed to qualify. No application, ongoing monthly or annual fees. Quick and easy online application process. More details Disclosure
	5.99^%_p.a.	5.90^%_p.a.	^$2,396	Variable	^$0	^$0	80^%	More details
FEATUREDApply in minutes	Unloan – Variable Rate Home Loan LVR < 80% No application or ongoing fees. Annual rate discount Unlimited redraws & additional repayments. LVR <80% A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank.
Disclosure
FEATUREDApply in minutes Unloan – Variable Rate Home Loan LVR < 80% No application or ongoing fees. Annual rate discount Unlimited redraws & additional repayments. LVR <80% A low-rate variable home loan from a 100% online lender. Backed by the Commonwealth Bank. More details Disclosure
	6.09^%_p.a.	6.11^%_p.a.	^$2,421	Variable	^$0	^$250	60^%	More details
FEATURED	ubank, part of NAB – Neat home loan - max. 60% LVR (Owner occupied, Principal and interest) No annual fees – None! Get fast pre-approval Unlimited additional repayments free of charge
Disclosure
FEATURED ubank, part of NAB – Neat home loan - max. 60% LVR (Owner occupied, Principal and interest) No annual fees – None! Get fast pre-approval Unlimited additional repayments free of charge More details Disclosure
	6.30^%_p.a.	6.63^%_p.a.	^$2,476	Variable	N/A	N/A	98^%	More details
	Sucasa – Ultra Low Rate (Variable) - <98% LVR - No LMI (Refinance)
Sucasa – Ultra Low Rate (Variable) - <98% LVR - No LMI (Refinance) More details
	6.44^%_p.a.	6.44^%_p.a.	^$2,513	Variable	^$0	^$160	70^%	More details
	ANZ – Simplicity PLUS Home Loan (Principal and Interest) (LVR < 70%) (New Customer) Special offer
Disclosure
ANZ – Simplicity PLUS Home Loan (Principal and Interest) (LVR < 70%) (New Customer) Special offer More details Disclosure
	6.49^%_p.a.	6.50^%_p.a.	^$2,526	Variable	N/A	^$400	70^%	More details
	Commonwealth Bank – Extra Home Loan (Principal and Interest) (LVR 60%-70%)
Disclosure
Commonwealth Bank – Extra Home Loan (Principal and Interest) (LVR 60%-70%) More details Disclosure
	6.69^%_p.a.	6.72^%_p.a.	^$2,578	Variable	^$0	^$350	95^%	More details
	ING – Mortgage Simplifier ($150k+ where LVR >90% - O/Occ) P&I
ING – Mortgage Simplifier ($150k+ where LVR >90% - O/Occ) P&I More details
	6.79^%_p.a.	6.87^%_p.a.	^$2,605	Variable	^$8	^$350	60^%	More details
	NAB – Tailored Home Loan Variable Rate - Principal and Interest LVR 60% or less
Disclosure
NAB – Tailored Home Loan Variable Rate - Principal and Interest LVR 60% or less More details Disclosure
	6.44^%_p.a.	6.76^%_p.a.	^$2,513	Variable	^$0	^$0	97^%	More details
	Westpac – Flexi First Option Home Loan (Promo) - Principal & Interest (LVR up to 70%)
Disclosure
Westpac – Flexi First Option Home Loan (Promo) - Principal & Interest (LVR up to 70%) More details Disclosure
	6.14^%_p.a.	6.16^%_p.a.	^$2,434	Variable	^$0	^$250	80^%	More details
	ubank, part of NAB – Neat home loan - max. 80% LVR (Owner occupied, Principal and interest)
Disclosure
ubank, part of NAB – Neat home loan - max. 80% LVR (Owner occupied, Principal and interest) More details Disclosure
	5.99^%_p.a.	6.44^%_p.a.	^$2,396	Variable	^$0	^$530	90^%	More details
	loans.com.au – Solar Home Loan (Principal & Interest) (LVR < 90%) No application, ongoing monthly or annual fees. Available for refinance or purchases. Quick and easy online application process. Dedicated loan specialist throughout the loan application. Discounted interest rate for 5 years for homes with an eligible solar system
Disclosure
loans.com.au – Solar Home Loan (Principal & Interest) (LVR < 90%) No application, ongoing monthly or annual fees. Available for refinance or purchases. Quick and easy online application process. Dedicated loan specialist throughout the loan application. Discounted interest rate for 5 years for homes with an eligible solar system More details Disclosure
	6.19^%_p.a.	6.25^%_p.a.	^$2,447	Variable	^$0	^$835	70^%	More details
	Great Southern Bank – Offset Variable - Owner Occupier Principal & Interest (LVR is 70%)
Great Southern Bank – Offset Variable - Owner Occupier Principal & Interest (LVR is 70%) More details
	6.19^%_p.a.	6.24^%_p.a.	^$2,447	Variable	^$0	^$600	80^%	More details
	MOVE Bank – Offset Home Loan (Principal & Interest) LVR <80%
MOVE Bank – Offset Home Loan (Principal & Interest) LVR <80% More details
	6.23^%_p.a.	6.38^%_p.a.	^$2,458	Variable	^$10	^$450	80^%	More details
	Bank of Queensland – Owner Occupied Economy Discount Rate (max 80% LVR)
Bank of Queensland – Owner Occupied Economy Discount Rate (max 80% LVR) More details
	6.24^%_p.a.	6.24^%_p.a.	^$2,460	Variable	^$0	^$0	50^%	More details
	Athena Home Loans – Straight Up Owner Occupied - Obliterate (LVR < 50%) (Principal and Interest)
Athena Home Loans – Straight Up Owner Occupied - Obliterate (LVR < 50%) (Principal and Interest) More details
	6.24^%_p.a.	6.58^%_p.a.	^$2,460	Variable	^$350	^$210	80^%	More details
	Heritage Bank – Home Advantage Variable $250,000 to $699,999 >70% to 80%
Heritage Bank – Home Advantage Variable $250,000 to $699,999 >70% to 80% More details
	6.29^%_p.a.	6.30^%_p.a.	^$2,473	Variable	^$0	^$100	95^%	More details
	BankSA – Basic Home Loan for Owner Occupier P&I (Promo) (LVR below 70%)
BankSA – Basic Home Loan for Owner Occupier P&I (Promo) (LVR below 70%) More details
	6.39^%_p.a.	6.50^%_p.a.	^$2,499	Variable	^$0	^$799	90^%	More details
	IMB Bank – Essentials Home Loan (Principal and Interest) (LVR 80%-90%)
IMB Bank – Essentials Home Loan (Principal and Interest) (LVR 80%-90%) More details
	6.44^%_p.a.	6.81^%_p.a.	^$2,513	Variable	^$395	^$0	80^%	More details
	Credit Union SA – Owner Occupied Variable Home Loan Package (Principal and Interest)
Credit Union SA – Owner Occupied Variable Home Loan Package (Principal and Interest) More details
	6.79^%_p.a.	6.87^%_p.a.	^$2,605	Variable	^$8	^$350	70^%	More details
	NAB – Tailored Home Loan Variable Rate - Principal and Interest LVR 60.01% - 70%
Disclosure
NAB – Tailored Home Loan Variable Rate - Principal and Interest LVR 60.01% - 70% More details Disclosure
	6.48^%_p.a.	6.51^%_p.a.	^$2,523	Variable	^$0	^$350	90^%	More details
	MyState Bank – Basic Variable Home Loan Offer OO P&I (LVR =80%-<90%)
MyState Bank – Basic Variable Home Loan Offer OO P&I (LVR =80%-<90%) More details
	6.49^%_p.a.	6.52^%_p.a.	^$2,526	Variable	^$0	N/A	90^%	More details
	Beyond Bank – Purple Basic Variable Home Loan (>80%-90% LVR)
Beyond Bank – Purple Basic Variable Home Loan (>80%-90% LVR) More details
	6.54^%_p.a.	6.93^%_p.a.	^$2,539	Variable	^$395	^$350	90^%	More details
	Bankwest – Complete Variable Home Loan (Owner Occupied) (New Lending) <90% LVR - P&I
Bankwest – Complete Variable Home Loan (Owner Occupied) (New Lending) <90% LVR - P&I More details
	5.44^%_p.a.	6.26^%_p.a.	^$2,256	Fixed	^$350	^$0	90^%	More details
	Bank Australia – Clean Energy Home Loan - New Build Fixed (LVR <90%) (3 years)
Bank Australia – Clean Energy Home Loan - New Build Fixed (LVR <90%) (3 years) More details
	6.64^%_p.a.	6.98^%_p.a.	^$2,565	Variable	^$350	^$210	90^%	More details
	Heritage Bank – Home Advantage Variable $250,000 to $699,999 LVR >80% to 90%
Heritage Bank – Home Advantage Variable $250,000 to $699,999 LVR >80% to 90% More details
	6.84^%_p.a.	7.16^%_p.a.	^$2,618	Variable	^$0	^$0	97^%	More details
	Westpac – Flexi First Option Home Loan (Promo) - Principal & Interest (LVR above 80%)
Disclosure
Westpac – Flexi First Option Home Loan (Promo) - Principal & Interest (LVR above 80%) More details Disclosure
	7.24^%_p.a.	7.24^%_p.a.	^$2,726	Variable	^$0	^$160	95^%	More details
	ANZ – Standard Variable Home Loan (Principal and Interest) (LVR < 80%)
Disclosure
ANZ – Standard Variable Home Loan (Principal and Interest) (LVR < 80%) More details Disclosure
	8.80^%_p.a.	8.94^%_p.a.	^$3,161	Variable	^$8	^$600	95^%	More details
	Commonwealth Bank – Standard Variable Home Loan (Principal and Interest)
Disclosure
Commonwealth Bank – Standard Variable Home Loan (Principal and Interest) More details Disclosure

Variable Home Loan (LVR < 90%)

Product Features

Available for purchase or refinance, min 10% deposit needed to qualify.
No application, ongoing monthly or annual fees.
Quick and easy online application process.

Monthly repayments:$2,408

6.04%Advertised Rate (p.a.)

6.08%Comparison Rate*

More details

Important Information and Comparison Rate Warning

Base criteria of: a $400,000 loan amount, variable, fixed, principal and interest (P&I) home loans with an LVR (loan-to-value) ratio of at least 80%. However, the ‘Compare Home Loans’ table allows for calculations to be made on variables as selected and input by the user. Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes. All products will list the LVR with the product and rate which are clearly published on the product provider’s website. Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you. *The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Rates correct as of December 21, 2024. View disclaimer.

Important Information and Comparison Rate Warning

The entire market was not considered in selecting the above products. Rather, a cut-down portion of the market has been considered. Some providers' products may not be available in all states. To be considered, the product and rate must be clearly published on the product provider's web site. Savings.com.au, yourmortgage.com.au, yourinvestmentpropertymag.com.au, and Performance Drive are part of the InfoChoice Group. In the interests of full disclosure, the InfoChoice Group are associated with the Firstmac Group. Read about how InfoChoice Group manages potential conflicts of interest, along how we get paid.

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We strive to cover a broad range of products, providers, and services; however, we do not cover the entire market. Products in our comparison tables are sorted based on various factors, including product features, interest rates, fees, popularity, and commercial arrangements.

Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes.

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Comparison Rate Warning and Base Criteria

For home loans, the base criteria include a $400,000 loan amount over 30 years. For car loans, the base criteria include a $30,000 loan over 5 years. For personal loans, the base criteria include a $20,000 loan over 5 years. These rates are only examples and may not include all fees and charges.

*The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Monthly Repayment Figures

Monthly repayment figures are estimates that exclude fees. These estimates are based on the advertised rates for the specified term and loan amount. Actual repayments will depend on your circumstances and interest rate changes.

Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you.

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Home Loan Borrowing Calculator & Guide

How much money can I borrow?

Can’t afford a 20% deposit?

How much should you borrow for a mortgage?

1. Household income

2. Credit rating

3. Property price and value

4. Home insurance

5. Other costs

Looking for a home loan?

loans.com.au – Variable Home Loan (LVR < 90%)

loans.com.au – Variable Home Loan (LVR < 90%)

Unloan – Variable Rate Home Loan LVR < 80%

Unloan – Variable Rate Home Loan LVR < 80%

ubank, part of NAB – Neat home loan - max. 60% LVR (Owner occupied, Principal and interest)

ubank, part of NAB – Neat home loan - max. 60% LVR (Owner occupied, Principal and interest)

Sucasa – Ultra Low Rate (Variable) - <98% LVR - No LMI (Refinance)

Sucasa – Ultra Low Rate (Variable) - <98% LVR - No LMI (Refinance)

ANZ – Simplicity PLUS Home Loan (Principal and Interest) (LVR < 70%) (New Customer) Special offer

ANZ – Simplicity PLUS Home Loan (Principal and Interest) (LVR < 70%) (New Customer) Special offer

Commonwealth Bank – Extra Home Loan (Principal and Interest) (LVR 60%-70%)

Commonwealth Bank – Extra Home Loan (Principal and Interest) (LVR 60%-70%)

ING – Mortgage Simplifier ($150k+ where LVR >90% - O/Occ) P&I

ING – Mortgage Simplifier ($150k+ where LVR >90% - O/Occ) P&I

NAB – Tailored Home Loan Variable Rate - Principal and Interest LVR 60% or less

NAB – Tailored Home Loan Variable Rate - Principal and Interest LVR 60% or less

Westpac – Flexi First Option Home Loan (Promo) - Principal & Interest (LVR up to 70%)

Westpac – Flexi First Option Home Loan (Promo) - Principal & Interest (LVR up to 70%)

ubank, part of NAB – Neat home loan - max. 80% LVR (Owner occupied, Principal and interest)

ubank, part of NAB – Neat home loan - max. 80% LVR (Owner occupied, Principal and interest)

loans.com.au – Solar Home Loan (Principal & Interest) (LVR < 90%)

loans.com.au – Solar Home Loan (Principal & Interest) (LVR < 90%)

Great Southern Bank – Offset Variable - Owner Occupier Principal & Interest (LVR is 70%)

Great Southern Bank – Offset Variable - Owner Occupier Principal & Interest (LVR is 70%)

MOVE Bank – Offset Home Loan (Principal & Interest) LVR <80%

MOVE Bank – Offset Home Loan (Principal & Interest) LVR <80%

Bank of Queensland – Owner Occupied Economy Discount Rate (max 80% LVR)

Bank of Queensland – Owner Occupied Economy Discount Rate (max 80% LVR)

Athena Home Loans – Straight Up Owner Occupied - Obliterate (LVR < 50%) (Principal and Interest)

Athena Home Loans – Straight Up Owner Occupied - Obliterate (LVR < 50%) (Principal and Interest)

Heritage Bank – Home Advantage Variable $250,000 to $699,999 >70% to 80%

Heritage Bank – Home Advantage Variable $250,000 to $699,999 >70% to 80%

BankSA – Basic Home Loan for Owner Occupier P&I (Promo) (LVR below 70%)

BankSA – Basic Home Loan for Owner Occupier P&I (Promo) (LVR below 70%)

IMB Bank – Essentials Home Loan (Principal and Interest) (LVR 80%-90%)

IMB Bank – Essentials Home Loan (Principal and Interest) (LVR 80%-90%)

Credit Union SA – Owner Occupied Variable Home Loan Package (Principal and Interest)

Credit Union SA – Owner Occupied Variable Home Loan Package (Principal and Interest)

NAB – Tailored Home Loan Variable Rate - Principal and Interest LVR 60.01% - 70%

NAB – Tailored Home Loan Variable Rate - Principal and Interest LVR 60.01% - 70%

MyState Bank – Basic Variable Home Loan Offer OO P&I (LVR =80%-<90%)

MyState Bank – Basic Variable Home Loan Offer OO P&I (LVR =80%-<90%)

Beyond Bank – Purple Basic Variable Home Loan (>80%-90% LVR)

Beyond Bank – Purple Basic Variable Home Loan (>80%-90% LVR)

Bankwest – Complete Variable Home Loan (Owner Occupied) (New Lending) <90% LVR - P&I

Bankwest – Complete Variable Home Loan (Owner Occupied) (New Lending) <90% LVR - P&I

Bank Australia – Clean Energy Home Loan - New Build Fixed (LVR <90%) (3 years)

Bank Australia – Clean Energy Home Loan - New Build Fixed (LVR <90%) (3 years)

Heritage Bank – Home Advantage Variable $250,000 to $699,999 LVR >80% to 90%