How Much Can I Borrow on A$75,000 Income in Australia?
Reference Rates
Variable (outstanding) 6.0%
Variable (new loans) 5.9%
All Loans Avg 5.9%
Mar 31, 2026 · RBA / APRA
199000
Max Property Price
1875
Max Monthly Repayment
20000
Deposit
9.24%
Serviceability Rate
Australian Borrowing Calculator
Maximum Property Price
199000
Based on 30% income rule
Annual Income
75000/yr
Monthly Gross Income
6250
Max Monthly Repayment (30%)
1875
Deposit (10%)
20000
Serviceability Rate (APRA buffer)
9.24%
Actual Loan Rate
5.9%