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Calculators

Affordability

Find out how much you can afford to spend on a new home, based on your income and deposit.

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How is my affordability calculated?

The amount you can spend on a home is calculated by adding together the maximum loan amount you could qualify for and the cash you have available for a deposit. Your affordability, or the maximum loan amount you could qualify for, is determined by using a maximum percentage of provable household income. This is generally a maximum of 30%. A deposit will reduce the amount you need to borrow. A deposit also helps by reducing your monthly bond repayment as well as lowering the total interest payable over the term of the loan.

Your affordability calculation results

Thank you for using our affordability calculator on our website. Here is how much you can afford to spend on a new home, based on your income and deposit.

Gross monthly income
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Deposit amount - may be required
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Interest rate
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Repayment term (years)
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You can afford a home of
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Estimated monthly repayment
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Your home loan amount
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Your deposit amount
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Interest rate
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