Your estimate appears here
Fill in your rough numbers and hit See my estimate to see how many lenders across each tier could accommodate you, and roughly how much.
Indicative, using the government's published price caps and income limits (checked September 2026). You also need to be 18+ and live in the home. The 5% Deposit Scheme is open to Australian citizens and permanent residents; Help to Buy is for citizens only, with limited places. Not every lender takes part in each scheme. Compare them in our scheme guide. Check the exact cap for your postcode on firsthomebuyers.gov.au.
Free for you: the lender pays the broker, not you.
Your deposit is what's capping the purchase-price figures below, not your income. That's common, and it's not the end of the story: a broker can talk through options this tool doesn't model, like a smaller deposit with LMI (see below), a family guarantee, or, if you qualify, a government First Home Guarantee spot, any of which could open up more than what's shown here.
Assumes a 20% deposit and no lender's mortgage insurance. First home buyer schemes are shown separately above when you say you're a first home buyer. Not factored in: First Home Owner Grants, stamp duty concessions or guarantor arrangements, any of which could lift these figures. Purchase costs such as stamp duty and legal fees come out of your deposit and are not deducted here.
What's next
A rough order for getting from "what could I borrow" to settlement. Every link goes to the official government or regulator page for it, not a lender's marketing page.
- 1See what you could borrow
Done. That's the estimate above.
- 2Check what government help you qualify for
firsthomebuyers.gov.au: 5% Deposit Scheme, Help to Buy, First Home Super Saver
- 3Check your state's stamp duty concession and grant
Varies a lot by state. See your state below.
- 4Search, inspect and negotiate
moneysmart.gov.au: buying a house, step by step (contracts, cooling-off, building & pest inspection, settlement)
Steps 2–4 get complicated fast, and the details change often. A good broker can walk you through exactly how they apply to you, not just the general rules above. Request a call and we'll connect you with one.
Your state's grants & stamp duty concessions
Get your exact figures
Leave your details and we'll connect you with a qualified mortgage broker who does the hard work for you, comparing lenders across the market to source the right loan for your needs, including the 5% Deposit Scheme and Help to Buy. It costs you nothing: the lender pays the broker a commission when your loan settles. No obligation.