Calculate Your Borrowing Power

Wondering how much you could borrow?

Enter your income, living expenses, and existing commitments to get an estimate of your borrowing capacity across both standard lenders and select non-bank lenders who may be able to offer you more.

Borrowing Capacity Calculator | Frame Finance
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Applicants
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Living Expenses
Household Expenditure Measure (HEM) is the standard benchmark used by Australian lenders to estimate minimum living costs. It's calculated based on your household size, dependants, and income level. If your actual expenses are higher than HEM, lenders will use your actual figure.
Estimated monthly HEM
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Updates automatically based on your inputs above
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Existing Financial Commitments
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Lenders typically apply a 3% monthly repayment factor to total credit card limits regardless of the current balance.

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Loan Details

Results will show borrowing capacity across standard lenders (APRA +3% buffer) and select non-bank lenders (+1% buffer) so you can see the difference.

This calculator is for illustrative purposes only and does not constitute financial advice.
HEM figures are estimates based on the Melbourne Institute Household Expenditure Measure.
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