Investing
Investment borrowing power calculator.
Lenders count only part of your rent and assess existing debts at a buffered rate. That gap surprises most investors.
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Indicative investment borrowing capacity
$580,000 to $690,000
Lenders shade rental income and assess your existing debts at a buffered rate. That's why capacity often falls well short of what the rent appears to cover.
- Rental income counted (80%)
- $2,149 / month
- Assessment rate (incl. 3% buffer)
- 9.35%
- Assessed monthly surplus
- $5,849
What could change this figure
- How each lender shades rental income, where 70% to 80% is typical
- Whether existing loans are assessed at actual or buffered rates
- Negative gearing benefits, which some lenders count and others don't
- Cross-collateralisation limiting which lenders will look at you
This is an estimate only, based on the figures you have entered and simplified assumptions. It is not credit advice, an offer of credit, or an indication that any lender will approve a loan. Finstac does not provide investment advice or forecast property returns.
How this is calculated
- Rental income is counted at 80%, reflecting typical lender shading for vacancy and costs.
- Repayments are assessed at your rate plus a 3% buffer over a 30-year term.
- Existing repayments are taken at the figure you enter, though lenders often assess them at buffered rates.
Free guide
The Investor's Loan Structure Guide
Equity, structure and borrowing capacity
- How to work out your usable equity
- Cross collateralisation explained, and why it limits your options
- Structuring loans so your borrowing capacity survives the next purchase, and what the 2027 tax changes mean
- The investment loan features that actually matter
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