How Much Can I Borrow on A$175,000 Income in Australia?
Reference Rates
Variable (outstanding) 6.0%
Variable (new loans) 5.9%
All Loans Avg 5.9%
Mar 31, 2026 · RBA / APRA
605000
Max Property Price
4375
Max Monthly Repayment
121000
Deposit
9.24%
Serviceability Rate
Australian Borrowing Calculator
Maximum Property Price
605000
Based on 30% income rule
Annual Income
175000/yr
Monthly Gross Income
14583
Max Monthly Repayment (30%)
4375
Deposit (20%)
121000
Serviceability Rate (APRA buffer)
9.24%
Actual Loan Rate
5.9%