Borrowing Power Calculator
Apply for conditional pre-approval
Start online in as little as 10 minutes. A home lending specialist will call to assess your application.
You may be able to borrow up to:
$0
How much you may be able to borrow based on your income, expenses, and debts.
$0
Your deposit based on chosen percentage.
$0
Principal and interest repayments:
- Repayments$0Monthly
- Interest rate0%p.a
- Comparison rate *0%p.a
New CommBank Offers
Earn 100,000 Yello Points when you apply online and settle an eligible home loan+.
- CommBank Yello eligibility requirements apply, including holding an Eligible Transaction Account.
- Formally Approved during the Offer & settled within 90 days of that approval.
- Funded loan balance of $100,000 or more.
Eligibility criteria and T&Cs apply.
Next Steps
- Explore CommBank home loan features, rates and tools to find an option that suits your needs.Learn more
Compare home loan options
- Start online in as little as 10 minutes. A home lending specialist will call to assess your application and if eligible, you could receive conditional pre-approval within 1 day.Get conditionally pre-approved
Apply for conditional pre-approval
- Get CommBank's estimated market value, property and suburb insights on any property you are interested inStart Searching
Property Insights
Why choose CommBank?
- 1 in 5 customers chooses CommBank for their home loan.1
A home loan Australians choose
- Over 5x low-deposit options designed to help first home buyers enter the market faster.2
Get into your first home sooner
- Get guidance from one of over 1,400 Home Lending Specialists across Australia.3
Expert help, wherever you are
- Supporting more than 80,000 first home buyers into home ownership.4
Helping more first home buyers
Other home loan calculators
- Work out how much your home loan repayments might be with our repayment calculatorGo to repayment calculator
Repayment Calculator
- There are some other upfront costs, like stamp duty and conveyancing, to budget for.Go to stamp duty calculator
Stamp Duty Calculator
- Calculate how much you could save on repayments by refinancing your home loan with us.Go to refinance calculator
Refinance Calculator
Frequently asked questions
- Add your income
Enter your regular income and any other income you receive. - Enter your expenses
Include your living costs, existing debts and other ongoing financial commitments. - View your estimate
See an estimate of how much you may be able to borrow to help plan your property budget.
The result is an estimate only and is not a quote or loan approval offer.
Last updated: 7 September 2026
- Add your income
Borrowing power, also known as borrowing capacity, refers to the maximum amount of money you can borrow from a lender (such as CommBank) based on your financial situation. Understanding your borrowing power helps you make informed decisions about how much you can afford to borrow for purposes like buying a home, investing, or other financial needs.
Borrowing power is calculated by assessing your income, expenses, existing debts, interest rates, and loan term. Lenders use this information to estimate how much you can afford to borrow while ensuring you can comfortably manage your loan repayments without overstretching your finances.
Yes, having a guarantor can increase your borrowing power. A guarantor is someone who agrees to take responsibility for your loan if you are unable to make the repayments. This additional security reduces the lender's risk, which can result in a higher borrowing capacity for you. It can also help you secure a loan with more favorable terms, such as a lower interest rate. However, it's important to note that the guarantor must have a strong financial standing and be willing to take on this responsibility.
The amount you can borrow with a guarantor depends on various factors, including your financial situation and the guarantor's financial standing. Generally, having a guarantor can increase your borrowing power, as it provides additional security for the lender. This can result in a higher loan amount compared to what you could borrow on your own. However, the exact amount will vary based on the lender's policies and the specific details of your and your guarantor's financial profiles. It's best to consult with your lender to get an estimate based on your circumstances.
There are a few things you can do to increase your borrowing power. Some of these include:
- Boosting your income (if possible) and/or reducing your expenses through budgeting.
- Reducing costs by paying off existing debts and improving your credit score by making timely payments. You can save for a larger deposit, which can reduce the loan amount needed to demonstrate financial responsibility and discipline to lenders.
- Reviewing your credit card limit and reducing the maximum amount.
- Having a guarantor on loan if that is something available to you.
Your HECS (Higher Education Contribution Scheme) debt can affect your borrowing power by reducing the amount of income available for loan repayments. Lenders consider HECS repayments as part of your overall financial obligations, which can lower your borrowing capacity. The impact depends on the size of your HECS debt and your repayment plan, as these factors influence your disposable income and ability to manage additional loan repayments. It's important to factor in HECS debt when assessing your borrowing power to ensure you can comfortably manage all your financial commitments.
Things you should know
Calculations are estimates provided as a guide only and are not a loan approval. They assume interest rates don't change over the life of the loan and are calculated on the rate that applies for the initial period of the loan. We have different rates that apply, depending on whether you are making Interest Only payments or Principal and Interest repayments.
Rate/s apply to new lending only and may include a margin below or above the applicable reference rate. The current reference rates can be found here.
For investment loans, negative gearing is factored into your borrowing capacity when you select "Is this for a new build?" or "building a home for investment purpose".
Availability will depend on our credit policy, your security and loan attributes and other information that you provide. You should seek independent, professional tax advice before making any decision based on this information. Talk to one of our Lending Specialists for more information.
If you pay by Direct Debit set up with CommBank, you can choose to schedule your repayments weekly, fortnightly or monthly. If you make repayments manually, you can pay as often as you like, as long as you meet your required monthly repayment amount.
Fees and charges are payable. The calculations do not take into account fees, charges or other amounts that may be charged to your loan (such as monthly service fees or stamp duty). Lenders' Mortgage Insurance or a Low Deposit Premium may apply to your loan depending on the size of your deposit; security, applicant and loan attributes. This is a one-off cost and will be added to the loan amount. Any of these additional amounts will increase repayments under the loan.
Wealth Package benefits apply to eligible home loans or line of credits, including any new Standard Variable Rate and Fixed Rate home loans originated on and from 14 March 2026. A non-refundable annual fee of $395 is payable in advance. The package can be established in the name of one or two individual's name/s, or in the name of a corporate entity. It cannot be established in the name of a business or family investment trust. Please refer to the applicable product guide and Consumer Mortgage Lending Products Terms and Conditions for full details.
Applications are subject to credit approval, satisfactory security and minimum deposit requirements. Conditions apply to all loan options. Full terms and conditions will be set out in our loan offer, if an offer is made.
*Comparison Rate ↩
Comparison rate calculated on a $150,000 secured loan over a 25 year term.
WARNING: 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. Comparison rates for variable Interest Only loans are based on an initial 5 year Interest Only period. Comparison rates for fixed or guaranteed Interest Only loans are based on an initial Interest Only period equal in length to the fixed or guaranteed period. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.
1. Figure based on CommBank's 20.54% Australian Prudential Regulation Authority (APRA) market share as of June 2026 (includes Unloan; excludes RMG).
2. Includes Australian Government 5% Deposit Scheme, Australian Government Help to Buy Scheme, Lenders Mortgage Insurance (LMI), Low Deposit Premium (LDP), and Guarantor Support.
3. Data reflects CommBank branch, mobile and direct Home Lending Specialists in Australia as of 30/06/2026. Excludes Premier Banking, Business Home Lending and Private Banking specialists.
4. Data represents home ownership through Australian Government 5% Deposit Scheme backbook as at 30/06/2026.
+ You could earn 100,000 CommBank Yello points when you apply online and settle an eligible CommBank home loan (Offer).
To earn CommBank Yello points under this Offer, all of the following criteria must be met:
You must be a CommBank Yello Gold or Diamond customer when we check your eligibility. You don’t need to have attained Gold or Diamond status when you apply, as your eligible home loan may help you qualify;
You must be a CommBank Yello Gold or Diamond customer when we check your eligibility. You don’t need to have attained Gold or Diamond status when you apply, as your eligible home loan may help you qualify;
You must apply for an eligible CommBank home loan product that is available through CommBank’s online home loan application process, including a CommBank Digi Home Loan, Standard Variable Rate Home Loan, Simple Home Loan or Fixed Rate Home Loan;
Your application must be submitted online and originated with the support of our Digi Home Lending team. If it is moved to a non-digital channel before settlement, you will no longer be eligible for this Offer;
The loan must be for an owner-occupied or investment property purchase, or for refinancing a home loan from a financial institution other than CommBank;
Your application must receive formal approval while this Offer is available;
The loan must have a funded loan balance of at least $100,000 at settlement;
The loan must settle within 90 days of the date of formal approval.
If there is more than one borrower under an eligible loan, only one borrower will receive CommBank Yello points. Recipient selection will be handled in accordance with the CommBank Yello Terms and Conditions.
If you purchase multiple properties or refinance multiple home loans from a financial institution other than CommBank, you may receive 100,000 CommBank Yello points for each application that meets the eligibility criteria for this Offer.
We check eligibility 60 calendar days after settlement. CommBank Yello points are typically paid within 31 days after eligibility is checked. CommBank Yello points will appear as “Online Home Loan Sign Up” in View Activity.
Things you should know:
The loan must satisfy CommBank’s credit assessment criteria, product eligibility criteria and all other applicable lending requirements;
Any increase, top-up, refinance, redraw or further advance after settlement will not qualify for additional CommBank Yello points under this Offer;
If your application is changed before settlement so that it no longer meets the eligibility criteria, you will no longer be eligible for this Offer.
We reserve the right to close or vary this Offer at any time. If the Offer is withdrawn, customers who have already received formal approval before the withdrawal date may remain eligible, provided the eligible home loan settles within 90 days of that formal approval date and all other Offer conditions are met.
There may be tax implications of receiving CommBank Yello points under this Offer. Please check our FAQs available at commbank.com.au/commbank-yello/faqs for further information or seek independent advice from your accountant or tax adviser.
We will make every effort to provide accurate information on the CommBank Yello website and in other communications about the Program, and to operate our systems and processes consistently with these Offer terms and conditions. However, sometimes errors do occur (for example, due to limitations in our systems and processes). Where that happens, without limiting any rights you may have relating to the error, we may, as appropriate, at a later time but as soon as practicable after the error has been identified, make adjustments to put you in the same or similar position had the error not occurred. To the extent permitted by law, we are not responsible for any inaccuracies or misdescriptions except to the extent caused by our negligence, fraud or wilful misconduct.
These Offer terms and conditions apply in addition to the CommBank Yello Terms and Conditions. If there is any inconsistency, the CommBank Yello Terms and Conditions prevail in relation to Program eligibility and Program rules, and these Offer terms prevail in relation to this Offer. For further information on Program eligibility, refer to the CommBank Yello Terms and Conditions. Effective Date: 1 October 2026
++ Discount applies to advertised rates and may differ from pricing available through other channels. Discount margin offers are subject to change. Terms, conditions, fees, charges, lending and eligibility criteria apply. Offer is available for new lending over $150,000 for Standard Variable Rate and Simple Home Loan when you apply online. Rates are subject to change and the discount margin offer may be withdrawn at any time.