Finance tool
How much could you borrow?
Get an indicative read on your borrowing power from your income, living expenses and existing repayments — assessed the way a lender would, with a serviceability buffer. When you want the real number across the lenders we access, the eligibility check has it.
Borrowing power estimator
Lenders assess your new repayment at roughly a 3% buffer above the rate, and every lender's expense and income rules differ. This is a rough guide only — your real capacity comes from the eligibility check.
DeMarque Group Pty Ltd trading as DeMarque Finance. Results are indicative only and do not constitute a formal finance offer, approval, or a statement of how much you can borrow. DeMarque Finance is authorised Credit Representative 522568 under Australian Credit Licence 384704. Phone 1300 108 751.
How the estimate works
The calculator takes your monthly surplus — net income less living expenses and existing loan repayments — and works out the largest loan whose repayment that surplus could service. Crucially, it assesses that repayment at your rate plus a 3% buffer, which mirrors how Australian lenders test serviceability. That's why the figure it returns is more conservative than a simple "repayment I can afford" sum.
What affects your real capacity
Actual borrowing power varies a lot by lender. Each one applies its own living-expense benchmarks (HEM), treats income types differently (PAYG, self-employed, rental, bonuses), assesses existing debts and credit limits their own way, and sets its own buffer and loan terms. That's exactly what a broker is for — we match your position to the lender whose rules give you the most room, then confirm it. The eligibility check returns a personalised indicative range across the lenders we can access in under 90 seconds.
Your move
See your real borrowing power.
A personalised indicative range with access to a panel of 60+ lenders, in under 90 seconds. No credit check to start, no obligation.
Check your eligibility →