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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.
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. Not factored in: First Home Owner Grants, stamp duty concessions, government guarantee schemes 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.
Uses each lender's own maximum LVR instead of the 20%-deposit cap above — this is how much further a smaller deposit could stretch. Not factored in: the LMI premium itself, which is added to your loan or paid upfront and varies by lender and insurer, so the real loan amount would be somewhat higher than shown here. A broker can quote the actual premium for your numbers.
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