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  • Calculate your borrowing profile or check out our savings calculator to see how long it will take to save for a deposit.

  • Borrowing power calculator

    Searching for the perfect place? It’s time to have a look at numbers! Whether buying your own home or an investment property, your ability to do so will largely depend on affordability. Having an honest look at your current salary, debts and expenses will assist in establishing your borrowing power - which is the estimated amount your home loan lender might lend you, based on your current circumstances.

    Do you wish to calculate how much you might be able to borrow for your home loan? Our handy tool can help! For best results, fill in a few details about yourself (including salary and expenses) to estimate what your borrowing power could be.

  • How much could I borrow?

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    Please enter a valid postcode

    You could borrow up to

    ${{data.loans[0].borrowingPower | number:0}}

    Assuming a {{ data.loans[0].loanPeriod.initial }} year term

    at an interest rate of {{ data.loans[0].interestRate.ongoing.percent }} % p.a.

    Call us on 13 RAMS, thats 13 7267 about your situation to find the best solution for you.

  • Other calculators and tools you might want to check now:

    Whether buying a new home, refinancing an existing home loan or investing in property, RAMS mortgage calculators can give you an estimate of what your repayments could be, based on your home loan amount, your loan type and the interest rate you think you'll be paying.  Once you get an idea of your mortgage repayments from the calculator, together with the rest of your budget, you'll start to see whether you can realistically afford the home you want to buy.  Your local RAMS franchisee can also help guide you through this process.  

    View all of our calculators.