Crescent Capital planning tool
Home Loan Affordability Calculator
Estimate a prudent home-loan budget from household income, expenses, debt, deposit, interest rate and repayment term for your scenario.
Your planning estimate
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Method, assumptions and important limitations
Results are planning estimates, not quotations, credit decisions, tax advice or guarantees. A bank or finance provider will apply its own affordability, credit, pricing and product rules.
The model uses the lower of a 30% gross-income guide after existing debt and the net monthly surplus after living expenses and debt. It is intentionally conservative and is not a lender policy.
No values entered here are transmitted or saved by this calculator. Use the application journey only when you are ready to share information under Crescent Capital's privacy terms.