Five calculators, each a starting point: the same arithmetic a lender's assessor runs, with the 3% buffer and the Victorian duty bands built in, and every assumption written down. None of them is the final word; the team is.
How much a lender would likely let you borrow, assessed with the 3% buffer.
Open calculator →Free · no sign-up 02Weekly, fortnightly or monthly, with total interest over the life of the loan.
Open calculator →Free · no sign-up 03Whether a switch pays for itself, and how long it takes to break even.
Open calculator →Free · no sign-up 04Victorian rates with every first-home and owner-occupier concession, updated when the bands change.
Open calculator →Free · no sign-up 05Deposit plus borrowing, minus duty and costs: the price you can actually bid to.
Open calculator →Free · no sign-upGet a straight answer before you book anything. The quick version is here; the full borrowing power calculator adds dependants, the surplus a lender sees and every assumption behind the figure. Either number is the one the team starts from in the room.
Assessed at 9.25% p.a. (an indicative 6.25% variable plus the 3% APRA buffer) over 30 years. Lenders differ; this is a starting point, not an offer.
Get the real number from the team →General information, not personal credit advice. Conversations are saved so Suvidh can pick up where you left off. Privacy
Four rises in 2026. Lenders test every new loan at the actual rate plus a 3-point buffer.
To conditional approval with documents ready; the team chases every step after that.
Majors, non-banks and specialists, matched to your scenario rather than the other way round.
I'm cinchi, Cinch Loans' AI assistant. I explain how Australian home loans and finance work, and when a question needs a current figure I check trusted sources like MoneySmart, Housing Australia, the RBA and the state revenue offices, and show you where it came from. Suvidh and the team give the actual advice. Your questions are saved so they can pick up where we left off, and when a question needs a person, I'll put you straight through on WhatsApp.
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cinchi is an AI assistant. It can be wrong. Figures are quoted from the source shown and change over time. Nothing here is personal credit advice or an offer of credit. Credit Guide · Privacy · Talk to Suvidh