Buying power · live
What can we actually buy?
Borrowing capacity is half the answer. Stamp duty, LMI, and deposit are the other half. We model all four — live across the panel — so you know the real price you can offer on.
Combines borrowing capacity, stamp duty, and LMI in one shot. Top three matched lenders surfaced live.
Co-applicant?
State
First home buyer?
Max purchase price
Updating$221,255
includes stamp duty & LMI for QLD
- Borrowing capacity
- $127,198
- Stamp duty (QLD)
- $2,942
- First-home buyer grant
- $0 · not eligible
- LMI
- $0
- Total deposit
- $94,058
- Total loan
- $127,198
- LVR
- 57.5%
Est. monthly repayment
$841
on $127,198 loan over 30 yrs (P&I)
Rate6.94% p.a.
Comparison7.04% p.a.
Modelled at the quoted rate over 30 years, not the assessment rate.
Rates refresh daily · indicative rate basis: owner-occupier · $500,000 loan · $800,000 property · 62.5% LVR · 25-year term
Indicative only — general information, not personal credit advice. Rates shown are advertised/representative starting points; your specific rate, fees and eligibility depend on the lender's full assessment of your file.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates are based on a loan amount of $150,000 over a loan term of 25 years.
All rates subject to lender credit assessment and policy. Indicative only. Authorised under LMG Broker Services Pty Ltd · ACL 517192.
Top 3 lender matches
- Rate
6.94% p.a.
Comp.7.04% p.a.
- Capacity
- $127,198
- Fees
- $3,000
- Total deposit
- $94,058
- Total loan
- $127,198
- LVR
- 57.5%
- Rate
6.94% p.a.
Comp.7.04% p.a.
- Capacity
- $125,689
- Fees
- $3,000
- Total deposit
- $94,119
- Total loan
- $125,689
- LVR
- 57.2%
Rates refresh daily · indicative rate basis: owner-occupier · $500,000 loan · $800,000 property · 62.5% LVR · 25-year term
Indicative only — general information, not personal credit advice. Rates shown are advertised/representative starting points; your specific rate, fees and eligibility depend on the lender's full assessment of your file.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates are based on a loan amount of $150,000 over a loan term of 25 years.
All rates subject to lender credit assessment and policy. Indicative only. Authorised under LMG Broker Services Pty Ltd · ACL 517192.
Why buying power ≠ borrowing power
A lender might tell you you can borrow $700K — but if your savings only cover an 8% deposit plus stamp duty plus LMI plus solicitor and inspection costs, the actual price you can offer is $620K. We model the whole stack.
What changes per state
Stamp duty rules and first-home buyer grants vary sharply by state. The same income and savings can buy you a different price in NSW vs QLD vs VIC. Toggle the state to see how your buying power shifts.
Get a buyer-ready pre-approval