AU Home Loan Calculator

Know what you could borrow.

An Australian borrowing power calculator that lives inside ChatGPT. Ask in plain English, get a conservative estimate built on the regulator's required 3% buffer (APRA) — and see exactly what's behind the number.

See what I could borrow

Free to use. Nothing you enter is stored.

Example borrowing power result: $365,000, assessed at 9.00% using a 6.00% typical variable rate plus the regulator's required 3% buffer (APRA), over a 30-year term.

Net monthly income
$6,022
Living expenses (benchmark)
$2,700
Existing commitments
$380
APRA test repayment
$2,937
Repayment at this rate
$2,188
Left over each month
$754

Example scenarios: without the credit card, with HECS/HELP paid off, and applying as a couple.

This is a general estimate only — not credit assistance, financial advice, or a loan offer. Rates are indicative and actual borrowing power depends on a full lender assessment.

Set up in under a minute

  1. Open ChatGPT and search the apps for AU Home Loan Calculator.

  2. Connect the app when ChatGPT asks — one tap.

  3. Ask away. Try:

    “What could I borrow on $95,000 with a HECS debt?”

One question, honestly answered

Borrowing power, built from your real position: income, HECS/HELP debt, dependants, credit card limits, existing loans. Start with just your income — the estimate sharpens as you share more, and you can ask what-if as many times as you like.

Every figure is conservative by design, and every figure shows its working.

Honest by design

  • Conservative by design. The APRA buffer is built into every estimate.
  • Your numbers stay yours. The calculator stores nothing you enter.
  • Estimates, not advice. Every estimate says so, every time.

Get started

See what I could borrow

Free to use. Nothing you enter is stored.