Australia · 2026
How much can I borrow?Find your salary below.
Select your income level to see your estimated borrowing power — calculated using real Australian lending criteria, HEM benchmarks, and the APRA 3% serviceability buffer.
Jump to my salary:
Select your annual income...
$50,000 per year $60,000 per year $70,000 per year $80,000 per year $90,000 per year $100,000 per year $110,000 per year $120,000 per year $130,000 per year $140,000 per year $150,000 per year $160,000 per year $180,000 per year $200,000 per year $220,000 per year $250,000 per year $300,000 per year $350,000 per year $400,000 per year $500,000 per year
See My Borrowing Power →
Entry Level Typical for graduates, retail managers, nurses, and admin professionals.
Average Income Typical for experienced teachers, engineers, developers, and senior staff.
Above Average Typical for managers, GPs, solicitors, and senior consultants.
High Income Typical for executives, specialist doctors, and senior partners.
$180,000/yr
$1,010,000
est. borrowing power
View full breakdown →
$200,000/yr
$1,140,000
est. borrowing power
View full breakdown →
$220,000/yr
$1,260,000
est. borrowing power
View full breakdown →
$250,000/yr
$1,460,000
est. borrowing power
View full breakdown →
Very High Income Typical for C-suite, top specialists, and high-earning professionals.
$300,000/yr
$1,780,000
est. borrowing power
View full breakdown →
$350,000/yr
$2,100,000
est. borrowing power
View full breakdown →
$400,000/yr
$2,420,000
est. borrowing power
View full breakdown →
$500,000/yr
$3,070,000
est. borrowing power
View full breakdown →
Couple & joint income borrowing power
Buying with a partner? Joint income applications have a significant HEM advantage — a couple's combined living expense benchmark is much lower than two individual benchmarks, giving you substantially higher borrowing capacity per dollar of income.
$80,000 combined
$290,000
est. couple borrowing power
View full breakdown →
$100,000 combined
$430,000
est. couple borrowing power
View full breakdown →
$120,000 combined
$520,000
est. couple borrowing power
View full breakdown →
$150,000 combined
$720,000
est. couple borrowing power
View full breakdown →
$180,000 combined
$890,000
est. couple borrowing power
View full breakdown →
$200,000 combined
$1,020,000
est. couple borrowing power
View full breakdown →
$250,000 combined
$1,300,000
est. couple borrowing power
View full breakdown →
$300,000 combined
$1,610,000
est. couple borrowing power
View full breakdown →
$400,000 combined
$2,150,000
est. couple borrowing power
View full breakdown →
Want a personalised estimate?
Upload your payslip and Finley will check your exact borrowing power against 22 Australian lenders — free, no credit check.
Chat with Finley Free →