What can you buy, and what could it be worth?

Your numbers

Estimates only. Nothing is saved until you choose to reveal your results.

Your gross annual income

Partner's gross annual income (optional)

Deposit / equity available

Monthly living expenses

Other monthly loan repayments

Total credit card limits

Interest rate (%)

Loan term (years)

Your growth assumption (you choose)

Annual growth rate (%)

Time horizon (years)

This is an assumption you set, not a CapitalVue forecast. Past performance is not a reliable indicator of future performance and property values can fall as well as rise.

I already own property (add equity & rental income)

Where should we send your results?

Enter your details to unlock your indicative buying power and growth picture. We'll also send you a copy.

Full name

Phone

CapitalVue Pty Ltd (ABN 56 671 085 028) collects your details to respond to your enquiry and provide our services. We may share information with service providers, some located overseas, and use cookies and tracking (Google, Meta, HubSpot). Our Privacy Policy explains how we handle your information and how to access, correct or complain.

Important: This calculator provides indicative estimates only, based on the information you enter and general assumptions (a 3% serviceability buffer, 2026–27 resident tax rates, a minimum household living-expense estimate, and a conservative buffer applied to the result). It is deliberately cautious, so a lender may assess you higher or lower. It is not a loan approval, credit assistance, or personal financial or credit advice, and it does not account for your full circumstances or a lender's individual policies. CapitalVue is a licensed buyers agency, not a credit provider, mortgage broker or financial adviser. Speak to a licensed mortgage broker or lender for a borrowing assessment, and obtain independent financial advice before making any investment decision.

How the borrowing power calculator works

This free borrowing power calculator gives Australian home buyers and property investors an indicative estimate of how much they could borrow, their likely purchase budget, and monthly repayments, plus an illustrative view of how the property could grow over time. Enter your income, deposit and expenses to see your buying power in about a minute. If you already own property, you can add your equity and rental income to estimate your next-purchase capacity. CapitalVue is a licensed Australian buyers agency operating across Queensland, South Australia and Western Australia.

How much can I borrow for a property?

Your borrowing power depends mainly on your income, living expenses, existing debts and the interest rate. This calculator gives an indicative estimate using a 3% serviceability buffer, the way lenders stress-test repayments. A lender will assess your full circumstances and may lend more or less.

How is my property buying budget calculated?

Your estimated purchase budget is your indicative loan plus your available deposit or usable equity, before buying costs such as stamp duty and legal fees, which typically come out of your deposit.

Can I use my existing property's equity to buy another?

Yes. Tick "I already own property" to estimate your usable equity (roughly 80% of the property's value less your current loans) and factor in rental income, so you can see your indicative next-purchase capacity.

Is this financial or credit advice?

No. It is an indicative estimate only and not credit assistance or personal financial advice. Speak to a licensed mortgage broker or lender for a borrowing assessment, and obtain independent advice before making an investment decision.