Borrowing Capacity Calculator — Elite Wealth Creators

A Applicant details

Applicant 1Applicant 2

Full name

Date of birth

Marital status

Residency status

Employment type

Employer

Years in current role

1 Household

Number of applicants

DependentsAdds to the living-expense benchmark

2 Income gross, before tax

Applicant 1 — salary

Applicant 1 — other income

Applicant 2 — salary

Applicant 2 — other income

Shading on other income% of non-salary income counted

3 Rental income subject property

Is this an investment property?

Expected rent (per week)

Rent shading% of rent counted as income

4 Living expenses

Declared expenses (per month)The higher of this and the HEM benchmark is used

Benchmark in use (HEM)indicative — scales with household income

$1,900

5 Existing commitments & liabilities

Owner-occupied home

Home value

Loan balance

Monthly repayment

Investment properties — add one card per property held

Other liabilities

LiabilityLimit / balanceMonthly repay

Credit cards (total limit)3.8% assessed

Personal loan

Car loan

Buy now, pay later

HELP / HECS

Other

Credit card assessment rateApplied to the total card limit as a monthly commitment

6 Loan & deposit

Interest rate

Serviceability buffer

Loan term

yrs

Maximum LVR

Deposit requiredequity at your LVR on the section-7 price — funded from super

Purchase costsquick estimate — auto-replaced by section 7 costs

7 Funds required this purchase

State / territorycalculates stamp duty automatically

Contract typeLand only = duty on land; completed / single = duty on full price

Purchase price

Stamp dutyauto from state — editable

Lenders mortgage insurance

Legal / conveyancing

Building & pest

SMSF setup coststructure setup: bare trust, corporate trustee, unit trust, legal — paid from super

Loan / establishment feesadded to the loan (capitalised) — not paid from super

Renovations / works

Other / cash-out

8 Assets statement of position

Home and investment property values are captured in section 5. Record other assets here for the net position. Optional; does not affect borrowing capacity.

Cash & savings

Superannuation (SMSF deposit source)

Motor vehicles

Shares & investments

Household contents

Other assets

Superannuation balance$0

Less: deposit required (equity)− $0

Balance after deposit$0

Less: cash costs (stamp duty, legal, SMSF setup…)− $0

Remaining super$0

Estimated borrowing capacity

—

With your super

Super available (deposit source)$0

Max purchase price limit$0

Max loan at that price$0

Deposit into purchase (equity)$0

Purchase costs (cash, on top)$0

What limits you

Capacity from income serviceability$0

Capacity from deposit LVR / funds$0

Monthly serviceability

Net income (after tax)$0

Living expenses$0

Existing commitments$0

Surplus for new loan$0

Repayments on the loan

At actual rate$0

Tested at assessment$0

Application check — this purchase

Purchase price$0

Total funds required$0

Loan required$0

Enter a purchase price in section 7 to test this deal

Net position — after this purchase

Total assets$0

Total liabilities$0

Net position$0

Estimate only. A guide for general illustration — not a credit assessment, loan offer or financial advice. Actual capacity depends on each lender's policy and full verification of income, expenses and credit history. Stamp duty uses each state's standard general transfer-duty rates and excludes first-home, owner-occupier, off-the-plan and foreign-buyer adjustments — confirm the exact figure with the relevant state revenue office. Elite Wealth Creators coordinates clients with licensed finance brokers; confirm any figure with a licensed credit professional before relying on it.