How Much Can I Borrow on A$125,000 Income in Australia?
Reference Rates
Variable (outstanding) 6.0%
Variable (new loans) 5.9%
All Loans Avg 5.9%
Mar 31, 2026 · RBA / APRA
414000
Max Property Price
3125
Max Monthly Repayment
83000
Deposit
9.24%
Serviceability Rate
Australian Borrowing Calculator
Maximum Property Price
414000
Based on 30% income rule
Annual Income
125000/yr
Monthly Gross Income
10417
Max Monthly Repayment (30%)
3125
Deposit (20%)
83000
Serviceability Rate (APRA buffer)
9.24%
Actual Loan Rate
5.9%