Bank Transparency
See exactly how your limit is calculated
5.49
Assessment Rate: 8.50% (Rate + 3.00% Buffer)
1. Serviceability Limit
Based on monthly surplus cash flow
A$0
$0
Monthly Income (Net)
Total Net Income (Assessed)A$0
Monthly Dedutions
Living Expenses (HEM)- A$0
Monthly Surplus= A$0
Borrowing Power calculation:
Surplus / (Stress Rate adjusted monthly factor)
2. DTI Limit
Debt-to-Income / Regulatory Cap
A$0LIMITING FACTOR
6
Annual Gross Income
Applicant TaxableA$0
Assessed MFB (Gross)A$0
Total AssessableA$0
Multiplied by Capx 6
Max Total DebtA$0
DTI Limit= A$0
Formula: (Gross Assessment Income × DTI Cap) - Existing Debts
Note: Existing debts use projected HECS balances at target date.
Calculation Assumptions
- HECS Thresholds: For projections beyond June 2026, 2025-26 repayment thresholds are used as an approximation. Actual thresholds are indexed annually by CPI.
- Tax Rates: Calculations use 2024-25 Stage 3 tax brackets, which are stable through 2027.
- Stamp Duty: QLD First Home Buyer concessions reflect current policy, including the May 2025 full exemption for new homes.