There are two ways you can find out how much you can borrow:

• Get an initial estimate using our How much could I potentially borrow calculator
• Apply for a conditional pre-approved home loan online (which means giving us more detailed information).  You can apply online or contact us and arrange an appointment.

The amount you can borrow will vary according to your specific situation.  It depends on a number of factors including:

• The value of the home you want to buy
• How much deposit  you have (if any)
• Your income
• Your ability to repay your home loan i.e. how much money you will have to put towards repayments, after you’ve accounted for your regular expenses.
• The type of home (freestanding house, apartment, etc.).

We suggest that you talk to us about your specific situation.

Generally when the amount you are borrowing is over 80% of a property’s value, a Low Equity Premium on a graduated scale will apply and a Registered Valuer's Report will be required.

Try our simple calculator to work out your home loan to property value ratio.

Next page | Your home loan pre-approval >>

The content on our site is for information only. You should obtain professional advice relevant to your circumstances. Our lending criteria, terms, conditions and fees apply. Contact us for more details.