Lending tool
Borrowing capacity
Maximum loan at the APRA buffer.
Estimates the maximum home loan from income, expenses and existing commitments, stress-tested at the APRA serviceability buffer. It applies the debt-to-income and loan-to-value caps alongside the serviceability test.
The tool does not just give one number; it shows which constraint is binding, so the conversation moves straight to the lever that actually changes the answer.
What you see on screen
In the app this chart is live: every assumption is on screen, editable, and the projection moves as you change it.
Key inputs
- Gross income for each applicant
- Living expenses and dependants
- Existing loan repayments, credit card limits and other commitments
- Deposit available and target property price
- Assessment rate settings (the APRA buffer is applied by default)
What it reports
- Maximum loan under the serviceability test, the DTI cap and the LVR cap
- Which of the three constraints is binding
- Monthly repayment at the actual and the buffered rate
- Surplus or shortfall at the assessment rate
Insights it surfaces
Alongside the numbers, the tool writes plain-language findings you can carry straight into the conversation. Example wording, from sample figures:
The debt-to-income cap is the binding constraint: serviceability supports $812,000 but DTI limits the loan to $760,000.
Cancelling a $20,000 credit card limit lifts capacity by roughly $88,000.
Every tool, every time
Rates and thresholds come from the verified Australian rate set for the selected financial year. Every run can be saved as a scenario against the client, exported as a client-ready PDF or an Excel workbook with live formulas, and carried into an SOA or ROA. A methodology and audit PDF documents the calculation, and every output carries the compliance block.