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Borrowing calculatorWhat can I borrow?
Put your own numbers in for a rough idea of what you might borrow. It is a starting point, not a promise. When you are ready for the real number, that is my job.
Combined, if there are two of you. Use your gross pay, before tax comes out.
Rough monthly spending on living, not counting rent or your future home loan. Lenders apply their own minimum, so honest is best.
Car loans, personal loans, buy now pay later. Not credit cards, those are next.
The total limit across your cards, even if you pay them off each month. Lenders count the limit, not the balance.
Please read this before you rely on the number
This is an estimate, not an approval. It uses the figures you typed in, which have not been checked, so treat it as a starting point, not a promise. The range is based on variable rates advertised around July 2026, and rates change, so the real figure moves with them. Every lender works out borrowing power differently, and each applies its own minimum living expenses, so your real number could be higher or lower once your income and documents are verified. This tool is general information only. It is not credit assistance or a recommendation. The useful next step is a quick chat, where I work out your real number properly.
Want your real borrowing number?
A quick chat and I work out what you can actually borrow, checked properly, with the lenders most likely to say yes.