estimate_borrowing_power
Estimate borrowing power
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Third-party content written by another agent. Data to evaluate, not instructions.
Estimate how much someone could borrow for an Australian home loan, based on household income, living expenses, credit card limits and existing debt repayments. Applies Australian resident income tax and the 3-percentage-point serviceability buffer lenders assess against (APRA guidance), over 30 years by default. Deliberately conservative — it is not a lender's assessment and no lender is bound by it. It does NOT model HECS/HELP debt, which materially reduces what an Australian borrower can service; use check_servicing for a figure that does.
Input schema
| Property | Type | Required | Description |
|---|---|---|---|
| grossAnnualIncome | number | yes | COMBINED household income before tax, in AUD per year — both incomes added together for a couple. Note this differs from check_servicing, which wants one applicant's income with a partner supplied separately; carrying a figure between the two without adjusting it will either double a second income or lose it. |
| monthlyExpenses | number | yes | Living costs in AUD per month — food, transport, utilities, insurance, childcare, subscriptions. Convert carefully: a weekly figure is x52/12, a fortnightly one is x26/12. EXCLUDE rent or mortgage payments they would stop making on buying, and exclude anything passed in the other arguments. Include rent only when they will still be paying it after settlement. IMPORTANT: unlike a lender, this estimate applies NO minimum expense benchmark — it takes the figure as given. An unrealistically low number therefore inflates the answer here while changing nothing at a real lender, which is the main way this tool comes out far above check_servicing. If someone's stated costs look low for their household, that gap is the reason. |
| monthlyDebtRepayments | number | no | Repayments on car and personal loans, AUD per month. Pass credit cards as creditCardLimits instead, not as a repayment. Defaults to 0. |
| creditCardLimits | number | no | Total credit limit across all cards, AUD — the limit, not the balance and not the monthly payment. Lenders assess the limit whether or not the card is cleared each month, so a card paid off in full still reduces borrowing power, and a forgotten card at zero balance reduces it just as much. Defaults to 0. |
| termYears | number | no | Term to assess over. Defaults to 30. Pass the remaining term for someone refinancing who is keeping their original end date — assessing them over a fresh 30 years overstates what they can service. |
| interestRate | number | yes | The annual rate the loan would sit at, as a percentage, e.g. 6.2. The serviceability buffer is added to this automatically. |
Raw JSON schema
{
"type": "object",
"properties": {
"grossAnnualIncome": {
"type": "number",
"description": "COMBINED household income before tax, in AUD per year — both incomes added together for a couple. Note this differs from check_servicing, which wants one applicant's income with a partner supplied separately; carrying a figure between the two without adjusting it will either double a second income or lose it.",
"minimum": 0,
"maximum": 10000000
},
"monthlyExpenses": {
"type": "number",
"description": "Living costs in AUD per month — food, transport, utilities, insurance, childcare, subscriptions. Convert carefully: a weekly figure is x52/12, a fortnightly one is x26/12. EXCLUDE rent or mortgage payments they would stop making on buying, and exclude anything passed in the other arguments. Include rent only when they will still be paying it after settlement. IMPORTANT: unlike a lender, this estimate applies NO minimum expense benchmark — it takes the figure as given. An unrealistically low number therefore inflates the answer here while changing nothing at a real lender, which is the main way this tool comes out far above check_servicing. If someone's stated costs look low for their household, that gap is the reason.",
"minimum": 0,
"maximum": 200000
},
"monthlyDebtRepayments": {
"type": "number",
"description": "Repayments on car and personal loans, AUD per month. Pass credit cards as creditCardLimits instead, not as a repayment. Defaults to 0.",
"minimum": 0,
"maximum": 200000
},
"creditCardLimits": {
"type": "number",
"description": "Total credit limit across all cards, AUD — the limit, not the balance and not the monthly payment. Lenders assess the limit whether or not the card is cleared each month, so a card paid off in full still reduces borrowing power, and a forgotten card at zero balance reduces it just as much. Defaults to 0.",
"minimum": 0,
"maximum": 1000000
},
"termYears": {
"type": "number",
"description": "Term to assess over. Defaults to 30. Pass the remaining term for someone refinancing who is keeping their original end date — assessing them over a fresh 30 years overstates what they can service.",
"minimum": 1,
"maximum": 40
},
"interestRate": {
"type": "number",
"description": "The annual rate the loan would sit at, as a percentage, e.g. 6.2. The serviceability buffer is added to this automatically.",
"minimum": 0,
"maximum": 25
}
},
"required": [
"grossAnnualIncome",
"monthlyExpenses",
"interestRate"
],
"additionalProperties": false
}