Скачать или смотреть Home Loan Calculator 2025: Find Out Your Borrowing Capacity in Minutes (Australia)

Are you planning to buy your first home or investment property in Australia in 2025? 🏡
Before you visit open homes or speak to a broker, you need to understand your borrowing power — that is, how much a bank or lender is likely to lend you based on your income, expenses, debts, and interest rates.

In this video, we’ll break down exactly how to calculate your borrowing power in Australia step by step, using a real-life Excel example that reflects the current lending environment in 2025.

💡 What You’ll Learn in This Video

What is Borrowing Power?
Understand what borrowing power means and why it’s the key number every home buyer needs to know before applying for a loan.

Factors That Affect Borrowing Power:

Gross and net income

Monthly living expenses

Existing loan repayments and credit cards

Interest rates and buffer rates (how banks “stress test” your repayments)

Loan term and repayment type (Principal & Interest vs. Interest Only)

Real-Life Example Calculation (Excel Demonstration):
We’ll take a couple earning a combined annual income of $165,000, with average expenses, and show:

How banks assess their borrowing limit

How a 9.2% assessment rate impacts the maximum loan size

The repayment amount for a 30-year loan term

How interest rate changes affect affordability

How to Estimate Your Own Borrowing Power Using Excel:
Learn how to input your income, expenses, and interest rate into a simple spreadsheet to instantly estimate your borrowing capacity.
This part is especially useful if you want to compare different scenarios or test how much more you could borrow by reducing debts or increasing income.

Tips to Improve Your Borrowing Power in 2025:

Lower your credit card limits

Pay off small personal loans

Track your monthly expenses

Keep a good savings record and credit history

Compare loan products and interest rates from different lenders

📊 Why This Matters in 2025

With rising interest rates and tighter lending rules, banks are being more conservative in their loan assessments.
Understanding how they calculate your borrowing power helps you:
✅ Avoid loan rejection surprises
✅ Set realistic property budgets
✅ Negotiate smarter with lenders or brokers
✅ Plan your finances before property hunting

💻 Resources & Tools

This video also includes a downloadable Excel template (Borrowing Power Calculator – Australia) to help you do your own borrowing power calculations at home.

👉 Watch till the end for a detailed walkthrough and bonus tips on maximising your home loan eligibility.

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