Know your planning range
Start with clarity before you start house-hunting.
Use the affordability tool for an early planning estimate, then ask Crescent Capital about the verification and supporting information required for a formal home-finance assessment.
Set a realistic range
Model income, expenses, existing debt, deposit, term and rate before viewing properties.
Prepare your information
A formal assessment may require identity, income, expense, credit and supporting-document checks.
Move forward informed
Use a verified outcome—not only an estimate—when you are ready to make property decisions.
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
Complete the fields to reveal your estimate.
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.
Ready for the next step?
Request a pre-approval conversation.
The calculator is an estimate, not a pre-approval, quotation or credit decision. Crescent Capital will explain the applicable verification process.