Borrowing Power Calculator

Estimates how much you may be able to borrow for a home loan based on your income and expenses. Plan your purchasing journey as a first home buyer, investor or existing homeowner using the home loan borrowing calculator.
Who is this loan for?
What is your loan purpose?

Apply for conditional pre-approval

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

Start online in as little as 10 minutes. A home lending specialist will call to assess your application.

Get started

You may be able to borrow up to:

$0

How much you may be able to borrow based on your income, expenses, and debts.

Select deposit

$0

Your deposit based on chosen percentage.

$0

Principal and interest repayments:

  • Repayments
    $0
  • Interest rate
    0
    %p.a
  • Comparison rate *
    0
    %p.a

Next Steps

  • Compare home loan options

    Explore CommBank home loan features, rates and tools to find an option that suits your needs.Learn more

  • Apply for conditional pre-approval

    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

  • Property Insights

    Get CommBank's estimated market value, property and suburb insights on any property you are interested inStart Searching

Why choose commbank?

  • A home loan Australians choose

    1 in 5 customers chooses CommBank for their home loan.1

  • Get into your first home sooner

    Over 5x low-deposit options designed to help first home buyers enter the market faster.2

  • Expert help, wherever you are

    Get guidance from one of over 1,400 Home Lending Specialists across Australia.3

  • Helping more first home buyers

    Supporting more than 80,000 first home buyers into home ownership.4

Other home loan calculators

Frequently asked questions

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.