Find Out About Our Latest Rates

We negotiate better rates with 52+ lenders for you.

5.09%

HOME LOAN

5.09%

COMPARISON

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Find Out About Our Latest Rates

We negotiate better rates with 52+ lenders for you.

5.09%

HOME LOAN

5.09%

COMPARISON

Conditions Apply*

Borrowing Power Calculator for Australia

Our free borrowing power calculator helps you estimate how much you may be able to borrow from a lender. Factoring in your income, expenses, and financial commitments it gives you a clearer picture of your buying potential.

Smart Borrowing Power Calculator for Confident Home Buying

How can our borrowing power calculator help you?

Your borrowing capacity isn’t just about how much you earn – lenders look at several factors before deciding how much they’ll lend you. Your income, living expenses, existing debts, credit history, and even the type of loan you choose can all impact your borrowing power.

Our borrowing power calculator brings these factors together to give you an estimate in minutes. By entering your financial details, you can see how much you may be able to borrow, understand the impact of your expenses or debts, and set a realistic budget before applying for a loan.

Things you should know

Frequently Asked Questions

Everything you need to know about using our borrowing power calculator.

Borrowing power, also called borrowing capacity, is the maximum amount a bank or lender may allow you to borrow for a home loan. It’s based on your income, living expenses, debts, and financial commitments. Knowing your borrowing power helps you set a realistic property budget and avoid overstretching when buying a home.
Lenders calculate borrowing power by assessing your income, regular expenses, existing debts, credit card limits, and sometimes your credit history. They also factor in the interest rate, loan term, and their internal policies. A borrowing power calculator uses these details to give you an estimate of how much you could borrow.
High living expenses, existing debts, multiple credit cards, or a poor credit score can reduce your borrowing power. Even small commitments like car loans or buy-now-pay-later services can affect your capacity. Reducing debt and managing expenses can help improve how much lenders may be willing to offer you.
No, every bank and lender has its own lending criteria and risk policies. That’s why two lenders may give you different borrowing power estimates even with the same financial details. A calculator helps you understand a general estimate, but speaking to a broker gives you personalised options across multiple lenders.
Yes, borrowing power calculators are especially useful for first-home buyers. They help you understand what property price range you can afford, how your expenses impact borrowing capacity, and whether you’re ready to apply for a loan. It’s a simple way to plan your budget before house hunting.
You can improve borrowing capacity by paying down debts, reducing credit card limits, improving your credit score, and managing expenses. Lenders want to see that you can comfortably repay a loan. Even small changes, like closing unused credit cards, can boost your borrowing power and increase the amount you may qualify for.
Your borrowing capacity depends on several factors, including your income, living expenses, existing debts, and credit history. To calculate it manually, you’d need to total your income, subtract your regular expenses and debt repayments, then consider the lender’s loan-to-income rules and interest rates. This can be complex and time-consuming. Using a borrowing power calculator simplifies the process by instantly factoring in these variables, giving you a quick, realistic estimate of how much you could borrow for a home loan.

All the Calculators You’ll Ever Need

Estimate repayments, check borrowing power, compare loans, and plan smarter – all with easy tools designed to guide your next move.

Loan Repayment

Calculate your monthly repayment?

Home Loan Offset

How can I calculate my Home loan offset?

Rent vs Buy

Should I buy or rent?

Stamp duty

How much is my stamp duty?

Ready to see what you can afford?

Just enter your details and find out how much you could borrow in seconds. Our simple borrowing power calculator makes planning your next home easy.

Mortgage Broker in Point Cook

Credit Hub Australia

About the role

Join our dynamic team at Credit Hub Australia as a Finance/Mortgage Broker in our conveniently located Point Cook office, close to the freeway and train station, with free parking available.

In this role, you will be responsible for providing personalised mortgage solutions to our valued clients and also managing your colleagues by co-ordinating the allocation of files and general day to day running of the broker team. With a focus on delivering exceptional customer service, you will guide clients through the entire mortgage process, from initial application to final approval.

“Position is for Mortgage broker on commission/contract basis.”

What you'll be doing
  • You will develop and expand network with our help.
  • Sales, cold calling, and networking come naturally to you. You thrive on engaging with prospective clients to understand their unique financial needs and goals.

  • You will act on leads and existing database as provided and generate sales and ongoing relations.

  • Actively participate in team meetings and contribute to the overall success of the business

What we're looking for
  • You are an existing broker with proven experience in Mortgage Broking or lending abilities, or in a similar financial services role looking to take your career further with a successful Mortgage house.

  • In-depth knowledge of the Australian mortgage market, including products, policies, and regulatory requirements.

  • Excellent communication and interpersonal skills, with the ability to build lasting relationships and earn client trust.

  • A strong commitment to delivering outstanding customer service and consistently exceeding client expectations.

  • Self-motivated and capable of working independently, while also thriving in a collaborative team environment.

  • Relevant industry qualifications, such as a Certificate IV in Finance and Mortgage Broking.

  • Ability to manage multiple tasks, stay organized, and work reliably without supervision.

  • A results-driven mindset with a strong sales focus, coupled with exceptional work ethic, time management, and multitasking abilities.

What we offer

At Credit Hub Australia, we are committed to providing our team with a supportive and rewarding work environment. Some of the key benefits of joining our team include:

  • Competitive remuneration and performance-based bonuses
  • Ongoing training and professional development opportunities
  • Flexible work arrangements and a positive work-life balance
About us

Credit Hub Australia is a leading provider of mortgage and finance solutions, with a strong presence in the Point Cook in the Western Suburb of Melbourne and surrounding areas. Our mission is to empower our clients to achieve their financial goals by delivering personalised, expert advice and exceptional customer service. We are a dynamic and growing team, driven by a passion for helping our clients and making a positive impact on our local community. We are with Finsure as an agrregator Group. 

If you’re ready to take the next step in your career as a Mortgage Broker, apply now to join our team at Credit Hub Australia.

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