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Borrowing capacity

How much can I borrow on a $130,000 salary?

Estimated borrowing capacity: $735,000. Select your state and buyer type — stamp duty and upfront costs update below. Adjust the assumptions if they don't match your situation.

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These assumptions are built into the estimate — check they match your situation
Borrowers1 (single)
Existing debtNone
Assessment rate7.35% (RBA 4.35% + 3.0%)
Living expensesHEM metro ($2,800/mo)
Loan term30 years P&I
HECS / student debtNone
DependantsNone
Tax yearFY2026 ATO rates
⚠ Assessment rate sourced from RBA F1 data (effective 2026-08-06), updated automatically each week. For a result using your actual debts, HECS, and dependants, use the calculator →
$735,000
Estimated borrowing capacity
Your take-home pay is approximately $7,853/month. After living expenses, you can service a loan of $735,000 at 7.35%.
With a $100,000 deposit, you can target properties up to $835,000
Upfront costs — NSW, first home buyer
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How borrowing capacity changes
Scenario Capacity Change
Single, no debt baseline above $735k —
Partner on $80,000 $1.1m +$415k
Partner on $60,000 $1.0m +$285k
$15k credit card limit $650k $-85000
$5k credit card limit $705k $-30000
$50k HECS debt $610k $-125000
$30k HECS debt $610k $-125000
1 dependant $660k $-75000
2 dependants $590k $-145000
Suburbs within reach — NSW
Craigieburn VIC › Clyde North VIC › Pakenham VIC › Mickleham VIC › Sunbury VIC › Wollert VIC ›
Get a personalised figure Enter your actual debts, HECS, and dependants in the deposit checker.
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