How Much Can You Actually Borrow? | Free Calculator | Esteb and Co
Esteb and Co Calculate Now
Free Borrowing Capacity Calculator

How much can you actually borrow?

Find out your real borrowing power in 3 minutes. No credit check. No sign-up.

Calculate My Borrowing Power →

No credit check. No sales call unless you want one. Your data stays private.

Your bank is hiding this number from you
Watch the 2-min explainer

or watch the 2-min explainer first ↑

Sample result preview
Conservative
$620,000
Standard
$745,000
Optimised
$890,000

Your numbers will be different — enter your details to see your real capacity.

Gold Coast & Brisbane based
MFAA accredited
No credit check
Free, no obligation

How the calculator works

01

Enter your income

Salary, bonuses, rental income. Joint applications welcome — adding a second income significantly boosts capacity.

02

Add your commitments

Credit cards, loans, HECS. You'll see exactly how each one impacts your borrowing power.

03

See your real number

Three scenarios: conservative, standard, and optimised. Plus personalised insights on how to maximise your capacity.

Not sure about the numbers?

Tell us a bit about you and we'll calculate your borrowing power for free. A broker will be in touch within 1 business hour.

No automated calls. No spam. Your data stays private.

You're all set!

We'll calculate your borrowing power and be in touch shortly.

or
Run the numbers yourself with our calculator →
Get Your Free Assessment →

Takes about 3 minutes. See which lenders match your profile.

Powered by Clickbrat