Home loan calculator

How much can I borrow?

Your results are based on how accurately you enter your income, expenses and liabilities. It may be useful to have your latest bank statement and pay slips handy. We will also calculate your likely monthly repayments and interest rate.



Borrowing amount must be less than 95% of the property value.
Borrowing amount must be less than 95% of the property value.
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The more detailed your expenses are, the more accurate the result.


Select any liabilities that will continue beyond the loan.

All liability fields are mandatory

Lastly, let us help you get the most out of your home loan.

What are your goals?

Pay off my loan sooner

How can I get there sooner?

Saving for the future

How can I make my money work harder?


I need extra money to upgrade my home


How can my home loan help me travel?

New car

What is the most cost effective way?

Please enter all required fields and resolve any errors to continue.

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Based on what you've told us you may not be eligible to borrow may be eligible to borrow

Please wait while we check if you are eligible to borrow this amount...

For deposits less than 20% of the property value,
you may be required to pay a Low Deposit Fee.
Taking into account a scenario where you clear your credit card debt and increase your deposit.

Recalculating based on inputs...

Indicative monthly repayments

Based on principal and interest repayments over a 30 year loan term.

Our interest rate

Variable rate
Comparison rate*

Rate applies for new investmentowner occupier loans when you borrow up to % of the property value with a principal and interest repayment variable rate loan. Subject to change without notice.

* The comparison rates are based on a loan for $150,000 and a term of 25 years. 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.

Please phone us on 13 62 27 or enter your contact details to request a call.

Macquarie Home Loans

Finding out how much you can borrow using this calculator will help you on your home buying journey. Based on your home loan deposit and financial details, we calculate how much you can borrow as well as show you your monthly repayments and interest rate. Compare our Basic Home Loan and Offset Home Loan Package to help chose which home loan is right for you. Macquarie can also support you with expertise if you are a first home buyer or looking to refinance your current loan. We also have other tools to help you save money and calculate your stamp duty.