How much can I borrow to buy a property?


A good starting point when considering how much you can afford to spend on a property is to review your household budget.

If you don’t yet have a budget use our budget planner calculator and the TrackMYSPEND app at the MoneySmart website to help you understand how and where you spend your money.

We all know a budget can set limits—but it’s also a great way to work out what you can afford to borrow and whether you can make changes to your spending that will help you save more for a home loan deposit.

When considering how much to borrow, think about all the costs associated with buying a property then use our borrowing capacity calculator to estimate how much you can borrow.


Borrowing power calculator

Enter your income, expenses and loan details to get an estimate of your potential borrowing power. 

Calculate now

Important information

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It’s important to consider your particular circumstances and read the relevant Product Disclosure Statement or Terms and Conditions before deciding what’s right for you. This information hasn’t taken your circumstances into account.

This information is provided by AMP Life Limited. Read our Financial Services Guide for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you. All information on this website is subject to change without notice.