🏦 Serviceability Calculator

Borrowing Power Calculator

Multi-applicant serviceability assessment — income shading, HEM benchmarks, debt commitments and assessment rate buffering. Results in AUD.

New Loan(s) Being Applied For

Amount Rate % Term Type

Security Value

Assessment Buffer (%)

Number of Applicants:

PAYG Base Salary (gross p.a.) 100% shaded

Pre-Tax Deductions (annual) e.g. salary sacrifice, novated lease

Self-Employed Income post-tax net profit (p.a.)

Bonus / Commission / Overtime (p.a.) 80% shaded

Rental Income (p.a.) 80%

Investment Expenses (p.a.)

Other Income (p.a.) 80% shaded

Post-Tax Deductions (annual) e.g. after-tax packaging

Household Type

Number of Dependants

📊 HEM Benchmark: $0/month — NAB uses the higher of HEM or your declared expenses.

Declared Monthly Living Expenses (general household)

Leave at 0 to use HEM only. If you enter a higher amount, that will be used.

Additional Living Expenses (monthly) e.g. private school fees, childcare

Investment Property Expenses (monthly)

Existing Mortgage Repayments (monthly)

Total Credit Card Limits

3.8% of limit = monthly commitment

Other Loan Repayments (monthly)

Post-Loan Rent (monthly)

Self-Employed Business Liabilities (monthly)

Estimated Borrowing Power

Enter your details to calculate

Total Loan Amount

Monthly Repayment

Assessment Rate

—

LVR

—

Net Monthly Surplus —

Debt-to-Income Ratio 0.00

Policy limit: DTI < 7 (or < 6 for alternative refinance)

Loan-to-Income Ratio 0.00

Serviceability Breakdown

Gross Annual Income (shaded) $0

Net Monthly Income (after tax) $0

Living Expenses Used $0

New Loan Repayment (assessed) $0

Existing Debt Commitments $0

Net Monthly Surplus $0

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