Home loans
Home Loan Readiness Check
Five minutes, two paths. Buying? See roughly what you could borrow, what's holding it back, and how ready you are. Already have a loan? See what your rate is costing you and what a review could be worth.
General information only. Estimates use simplified versions of the tests lenders use; real results depend on each lender's policies. We don't recommend lenders or loans.
Your readiness check
Your home loan readiness
What you could borrow
- Estimated borrowing
- Price range with your deposit
- Repayments at that price
- Deposit at 20% of price (usually no LMI)
How we worked it out
- Income after tax, as lenders count it
- Living costs used
- Credit cards (assessed on limits)
- Left for repayments
- Tested at
What would lift your borrowing
Your readiness
Your loan check
What your rate is costing you
- Your repayments now
- Each 0.25% lower would save
- Against the rate you've seen
- When your fixed rate ends
- Loan-to-value ratio and equity
- Market reference
Before you switch
Want a licensed broker to check this properly?
A mortgage broker can compare lenders' actual policies and rates for your situation. If you'd like one to call you, tell us here. We'll ask before passing your details on, and tell you if we receive a referral fee.