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Borrowing capacity

How much can I borrow on a $140,000 salary?

Estimated borrowing capacity: $805,000. 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 →
$805,000
Estimated borrowing capacity
Your take-home pay is approximately $8,361/month. After living expenses, you can service a loan of $805,000 at 7.35%.
With a $100,000 deposit, you can target properties up to $905,000
Upfront costs — NSW, first home buyer
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How borrowing capacity changes
Scenario Capacity Change
Single, no debt baseline above $805k —
Partner on $80,000 $1.2m +$410k
Partner on $60,000 $1.1m +$280k
$15k credit card limit $725k $-80000
$5k credit card limit $780k $-25000
$50k HECS debt $665k $-140000
$30k HECS debt $665k $-140000
1 dependant $735k $-70000
2 dependants $660k $-145000
Suburbs within reach — NSW
Berwick VIC › Point Cook VIC › Frankston VIC › Reservoir VIC › Officer VIC › Doreen VIC ›
Get a personalised figure Enter your actual debts, HECS, and dependants in the deposit checker.
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