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How much can I borrow?

Quick estimate on how much you may be able to borrow based on your current salary and existing financial commitments.

Your details

Application type

Your earnings

 per annum
 per annum

Your expenses

 per month
 per month
 per month

Based on the details you have provided we are unable to give you an indication of how much you can borrow.

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  1. Important information
    All applications for credit are subject to ANZ's normal credit approval criteria. Product terms and conditions are available on application. Eligibility criteria applies to the Breakfree Package. Fees and charges apply.
    1. This is an estimate and is provided for illustrative purposes only, and is based on the accuracy of information provided. It does not constitute a quote. To apply for an ANZ Home Loan you must complete an application.
    2. The calculation of estimated Home Loan borrowing power and monthly repayments excludes any Lenders Mortgage Insurance and any Breakfree Package annual fees. ANZ will debit the annual Breakfree package fee from a Transaction Account linked to the Breakfree Package.
    3. If a Variable Rate Loan is selected, the interest rate (and monthly repayments) will be subject to change throughout the term of the Loan.
    4. Results are based on amortised scheduled repayments and, once any discount or fixed rate period expires, the current variable rate or the Breakfree variable rate (as appropriate) is applied for the remainder of the loan term (unless another fixed rate period is taken).
    5. Early repayment costs may apply if you repay your loan early during a fixed interest rate period.
    6. The calculator does not include ANZ Equity Manager account.
    7. ANZ will not store the information provided in this calculator.
    8. Interest rates are current in accordance with rates shown on and are subject to change.
    9. The Comparison Rate is for a loan of $150,000 over 25 years based on monthly repayments. These rates are for secured loans only. The Comparison Rate includes any ANZ Breakfree Package fees and standard discounts and fee waivers under ANZ Breakfree. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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