Borrowing Calculator

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Get an estimate of your potential borrowing capacity.

This is based on your current rent, other expenses and how much cash you have left after you’ve paid the bills using our Borrowing Capacity Calculator below.

How much of the purchase price can I borrow? This depends on a range of factors including your personal circumstances, the price of the property and any valuation that may be required (a bank valuation may not be the same as the purchase price). Depending on your circumstances, you may be able to borrow up to 95% of valuation, depending on your ability to repay. It’s worth noting that loans of more than 80% valuation often require lenders’ mortgage insurance, which the borrower pays for.

Disclaimer: Whilst every effort has been made to ensure the accuracy of this calculator, the results should be used as an indication only. They are neither a quote nor a pre-qualification for a home loan.

Client Story

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Bill made the whole process of us get a mortgage simple, however, I know it wasn't because we are small business owners with an investment property and therefore have complex accounts. Our interest rate is still very competitive today, which isn't always the case in our situation. I highly recommend Bill Elmer to get you the best mortgage for your circumstance.
Michael & Holly
An expert mortgage broker
Thanks to Bill and his expert advice, my wife and myself were able to not only refinance our house but we were also able to do a few renovations while reducing our interest rate at the same time! He also assisted us with the financing to enable us to purchase our first investment property. He gave us the information we needed to move forward in a way we could understand, making the process very easy. Almost 2 years on now and not only have we recommended him to friends and family, we have started discussions again with Bill to increase our investment property portfolio.
Alan and Sarah C
Made the process very easy
My wife and I were looking to purchase our first house and weren't sure where to start when it came to looking for a mortgage. Bill helped us by finding the best one for our circumstances, saving us a lot of time and money. The result was a great low rate and a much less stressful experience than if we tried to do things ourselves.
Jono and Alicia H
Saved us so much time & money
Bill was introduced to us by our son-in-law, and that was the best introduction for our financial future. Bill has been patient, consistent and most professional in all aspects. His dedication in finding us the best loan for the re-financing of our home loan has given us the confidence for our financial future. We are very grateful and value his time, advise and direction.
Vasu and Kamini G.
Confidence for our financial future
A big THANKS to Bill for all his hard work and efforts in making our dreams come true. We had a complicated loan application and needed approval to meet a dead line in settling both a sale and a purchase taking place within a same week. Bill had taken every possible action, put great efforts and kept us in the loop constantly till he managed to resolve all issues in a very timely and professional manner. Great job you have done Bill.
Eva and Joe K.
Made our dreams come true
I contacted Bill Elmer for assistance with my finances after the sudden passing of my husband. Unexpected expenses and a big change in income was making it difficult to meet commitments. After discussing my options Bill set about assisting me in every way. He arranged a refinance of my existing mortgage that has completely turned my situation around and I'm moving forward again, feeling much more secure and in control financially. I can't thank Bill enough for his support, advice and for all the work he put into my refinance.
Donnar C.
Completely turned my situation around
As a relatively new home owner with my first home loan I hadn't thought about re-financing till I spoke with Bill. Bill was able to secure a much better interest rate which improved my weekly cashflow and was so incredibly helpful especially while having to foot some hefty medical bills. Having my car loan and home loan all in one with a better interest rate has been a life saver for my cash flow and has taken a lot of stress out of my life.
Deborah C.
Improved my weekly cashflow
As we all know the mortgage and loans realm can be both daunting and overwhelming. We were lucky enough to have Bill make this easy for us. He took all the hard work out if it, really took the time to understand both our situation and goals, and achieved a great result. The service he provided was very personal and nothing seemed like too much trouble. Highly recommended.
David and Julie C.
Made it so easy for us!
Dear Bill, It was a pleasure to do business with you! We would like to say a big Thank you for the tremendous Job you did with our refinancing of the Loans. Merry Christmas and a Happy, Healthy New Year to you and your Family.
Beat and Cynthia W.
Pleasure doing business!
Just a quick note to thank you for your assistance with our mortgage refinancing. Stressful and complicated at times for us. With having to get certain information copied, signed by a JP and tabled due to changing Government legislation. You managed to keep us informed at every stage. Your knowledge of products available to suit our needs was very impressive. Thank you very much.
Wayne and Melissa A.
Absolutely amazing at what they do

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