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

How much can you actually borrow?

Watch the 2-minute explainer, then use our free calculator to find out. The number your bank gives you is not the number they use to assess you.

Calculate My Borrowing Capacity →

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

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.

Calculate My Borrowing Capacity →

Takes about 3 minutes. Free. No obligation.

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