Calculator
Affordability calculator
Enter income, existing debt payments and the debt-to-income limit a lender is likely to apply to see the loan amount that limit supports.
The estimate applies a debt-to-income limit to gross monthly income, subtracts your existing monthly debt payments, and converts the remaining payment into a loan amount using the standard amortisation formula. Lenders apply their own limits — 36% is a common benchmark, some allow more and many allow less — and they also weigh credit history, employment and property. Treat the result as a ceiling to test against quotes, not an approval.
This calculator is an estimate, not an offer, a quote, or financial advice. We are not a lender and we do not set rates or make credit decisions.
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