How Much Can I Borrow on A$100,000 Income in Australia?
Reference Rates
Variable (outstanding) 6.0%
Variable (new loans) 5.9%
All Loans Avg 5.9%
Mar 31, 2026 · RBA / APRA
301000
Max Property Price
2500
Max Monthly Repayment
45000
Deposit
9.24%
Serviceability Rate
Australian Borrowing Calculator
Maximum Property Price
301000
Based on 30% income rule
Annual Income
100000/yr
Monthly Gross Income
8333
Max Monthly Repayment (30%)
2500
Deposit (15%)
45000
Serviceability Rate (APRA buffer)
9.24%
Actual Loan Rate
5.9%