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How much can I borrow?

We no longer provide mortgage services directly, however we do provide a service which can link you to a mortgage broker in your area.

Click here to find out more about your next mortgage.

So you're ready to take the next step, but how do you know how much you can borrow? You could call the bank, but you'll quickly find that each bank (and non-bank) will give you a different answer. Sometimes the differences are minor, but in some cases the difference in your 'borrowing power' from one lender to another can be in the tens of thousands, if not more.

As well as using different calculations, the different lenders also treat different types of income differently. For example, some lenders won't include overtime and bonuses, some will include only one or the other, and some will allow both. So depending on which lender you use, the differences in their lending policies could be the difference between achieving your dream, or just having to make do.

Instead of putting a generic borrowing calculator on our website like many other brokers, we will assess your overall financial position, compare it with our lenders' various policies to see which lenders are most appropriate, and give you a personalised assessment of how much you can afford to borrow.

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General Advice Warning: The information contained within this website is general in nature and does not take into account your personal needs and objectives. You should not act upon any information without first seeking professional advice. Equita Financial Services Pty Ltd is no longer an authorised representative of an AFSL, and is therefore not licensed to provide financial advice. Please read the terms and conditions of use for this website.
Are you a tradie looking for income protection or life insurance for tradesmen? Check out Tradesman Insurance for the right advice. For medical professionals we recommend life insurance for doctors. Insurance consulting services are supplied to Equita by AMAUS.
Equita Financial no longer provides financial advice on risk insurance, superannuation or investment. Our website provides information on life insurance, total & permanent disability (TPD insurance), trauma insurance, income protection and funeral insurance. Our website also contains information on superannuation, retirement planning and investment, including managed funds and margin lending. The information is general and should not be seen as advice. You should not act upon any information on this website without first seeking advice from a qualified and licensed professional.