How much can you borrow?

Borrowing home loan calculator

Run the numbers through our borrowing calculator before you get started, to get an upfront estimate of your borrowing power

About your loan
0
Your income

Your salary*

Income before tax, and excluding super

/ year

Other income

e.g. commission, bonuses, rental

/ month
Your expenses

Living expenses (including rent, if applicable)

e.g. groceries, petrol, bills, utilities or entertainment

/ month

Other home loan repayments

For any existing loans

/ month

Personal loan repayments

For personal or car loan repayments

/ month

Credit card limits

Total of all your credit card limits including store cards

Our home loans

  • Variable

    • P&I

    • Live-in

    • 5.69% p.a.

      Interest rate

    • 5.70% p.a.

      Comparison rate

    • Up to 30 yearsloan term
    • 10% depositminimum
    • No feesupfront or ongoing
    • Unlimitedadditional repayments
    • Free online redrawon any additional repayments
    • Offset accountoptional for $10/month

    Please note if you add an offset account, your comparison rate will change.

    Backed and funded by
    Bendigo and Adelaide bank
  • Fixed 1 year

    • P&I

    • Live-in

    • 6.32% p.a.

      Interest rate

    • 5.80% p.a.

      Comparison rate

    • Up to 30 yearsloan term
    • 10% depositminimum
    • No feesupfront or ongoing
    • $20,000additional repayment limit per year
    • Free online redrawon any additional repayments
    • Offset accountoptional for $10/month
    • 5.74%roll-to-rate after 1 year

    Please note if you add an offset account, your comparison rate will change.

    Backed and funded by
    Bendigo and Adelaide bank

Important to know

There are a lot of different factors that go into calculating how much you can borrow for a home loan. We’ve designed our borrowing calculator to be a faster and simpler way to get an estimated answer. Every lender has their own way of calculating borrowing power so you might get different results with other home loan calculators. Our home loan borrowing calculator takes into account the type of loan you’re applying for, your income, and your expenses to give you an idea of how much you can expect to be able to borrow.

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How do you calculate borrowing capacity?

This borrowing power calculator is a guide only, and gives you an estimate of how much you could borrow with Tic:Toc, based on the income and expenses you entered, our current home loan interest rates and an assumed loan term of 30 years. You’ll still need at least a 10% deposit (and for deposits below 20% Lender’s Mortgage Insurance (LMI) is applicable).

We’re responsible lenders, so we calculate your borrowing power using the higher of your estimated expenses and your HEM (Household Expenditure Measure – an Australian average expenditure benchmark). Find out more about borrowing power.

You’ll get a real assessment when you begin an application, and enter the specifics of the property, your loan type, personal details and your financials. This is not credit approval. Find out more about our eligibility criteria here.

1960s typewriter

Legal things about our rates, no tricks


About our Awards

Awards don’t motivate us as much as helping customers. But as the OG digital home loan, being awarded Canstar’s ‘Digital Lender of the Year’ makes us pretty proud. We’re excited to say that over the last five years, we’ve won 42 Canstar awards and you can find out all about them here.


No honeymoon rates

Existing borrowers may have a different interest rate, depending on the price we were able to negotiate with our funder at the time the loan settled, and any reductions made over time. We don’t do honeymoon rates, or make loyal customers subsidise lower prices for new customers. We’re transparent with our rate history, you can read about it here.

Our current rates

Our rates are current as of 14 September 2023; available to all home loans approved on or after this date, and they can change. Our comparison rates are calculated for a $150,000 loan over 25 years. They factor in our fees associated with applying for the loan; our ongoing fees and our fees associated with leaving the loan. Our fixed loans roll to a variable principal and interest rate at the end of the fixed term. You can find all of our roll-to rates here. If the interest only period is not specified, the comparison rate is calculated on a one year period.

WARNING: The comparison rates are 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.