No. Your calculator result is a guide only based on the information you entered.
Your actual borrowing capacity may change once a full assessment is completed by a lender, as they also consider your credit history, detailed expenses, employment type and current lending policies.

No. This calculator is 100% safe and does not impact your credit file.
It is just an estimate tool and does not involve any credit checks or lender enquiries.

Yes, in many cases it can.
Your borrowing power may increase if you:

• Reduce existing debts

• Lower your ongoing expenses

• Increase your income

• Restructure your finances with the right lender

We can help identify the best way to improve it based on your situation.

To provide a personalised and accurate borrowing assessment, we usually need:

• Recent payslips

• Bank statements

• ID documents

• Existing loan statements (if applicable)

• Evidence of savings or deposit

• Your liability details (cards, loans, HECS, etc.)

We’ll guide you through this step by step if you decide to proceed.