How Much Can I Borrow on A$200,000 Income in Australia?
Reference Rates
Variable (outstanding) 6.0%
Variable (new loans) 5.9%
All Loans Avg 5.9%
Mar 31, 2026 · RBA / APRA
700000
Max Property Price
5000
Max Monthly Repayment
140000
Deposit
9.24%
Serviceability Rate
Australian Borrowing Calculator
Maximum Property Price
700000
Based on 30% income rule
Annual Income
200000/yr
Monthly Gross Income
16667
Max Monthly Repayment (30%)
5000
Deposit (20%)
140000
Serviceability Rate (APRA buffer)
9.24%
Actual Loan Rate
5.9%