Home loan borrowing calculator

30+ Lenders I $3k Cash Back Offer I 100% Free Service

Find out how much you could borrow with our calculator. You can also calculate your monthly repayments and interest rate.

Home loan borrowing calculator

30+ Lenders I $3k Cash Back Offer

Find out how much you could borrow

How we can help

Home loans we can help you find.

Cash backs and exclusive deals

Specific lenders may have ‘specials’ available, including cash backs, fee reductions or waivers or loyalty offers.

Flexible deposit options

Deposits starting at 2%. (But budget for at least 10% of the property value to cover government and third-party fees).

Guarantor loans made easy

Get into the property market sooner without a 20% deposit and avoid paying Lenders’ Mortgage Insurance.

Construction & bridging loans

Build your dream home or buy a new property before selling your old one with a construction or bridging loan.

Cross collateralisation

Leverage your equity and increase borrowing power by securing your loan against multiple properties.

Debt consolidation one payment

Consolidate your debt into a single loan with a low home loan interest rate.

Contact us : admin@mortgagematrix.com.au

Legal Information

Mortgage Matrix Pty Ltd ABN 37674 404 776 Credit Representative 555368 is authorised under Australian Credit Licence 389328.

Comparison rate is calculated on a $150,000 secured loan over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Our borrowing calculator provides an estimate of how much you may be able to borrow based on the income and expenses you've entered. It is a guide only and does not constitute credit approval.

For a personalised assessment, start your application, where we’ll review your specific financial details, loan type, and property information.

This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed before acceptance of any offer or product. It does not constitute legal; tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Subject to lenders credit assessment with terms and conditions, fees and charges and eligibility criteria apply.

Eligibility criteria, terms, conditions, and lender credit approval apply. The 5% deposit option may be available through government-backed schemes such as the First Home Guarantee. Not all applicants will qualify. Mortgage Matrix does not provide financial advice and recommends seeking independent advice tailored to your circumstances.

Mortgage Matrix ©2025. All rights reserved.​

Contact us : admin@mortgagematrix.com.au

Main office
: Level 38/71 Eagle Street Brisbane City.

Legal Information

Mortgage Matrix Pty Ltd ABN 37674 404 776 Credit Representative 555368 is authorised under Australian Credit Licence 389328.

Comparison rate is calculated on a $150,000 secured loan over a 25 year term. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Our borrowing calculator provides an estimate of how much you may be able to borrow based on the income and expenses you've entered. It is a guide only and does not constitute credit approval.

For a personalised assessment, start your application, where we’ll review your specific financial details, loan type, and property information.

This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed before acceptance of any offer or product. It does not constitute legal; tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Subject to lenders credit assessment with terms and conditions, fees and charges and eligibility criteria apply.

Eligibility criteria, terms, conditions, and lender credit approval apply. The 5% deposit option may be available through government-backed schemes such as the First Home Guarantee. Not all applicants will qualify. Mortgage Matrix does not provide financial advice and recommends seeking independent advice tailored to your circumstances.

Mortgage Matrix ©2025. All rights reserved.​