Borrowing Power Calculator

Property investors often worry about how much they can borrow from lenders to finance their investments. Smart Property Investment's borrowing power calculator uses salary, incomes, annual expenses, loan and credit card expenses and other similar expenses to determine the maximum amount available for a loan on your future property purchase.

 

Aside from a total borrowing amount, our borrowing power calculator breaks down your monthly repayment giving you a better idea of how this may affect your current day-to-day living expenses.

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Definitions:

Joint income

Joint income comes from a combined income stream and tax liability for legally married couples.

Dependents

Dependents are persons who relies on another person for financial support, usually family members or relatives.

Net salary

This is your take home pay after all statutory deductions, depreciation, interest, and taxes have been made.

Other net income

Total earnings or profit after subtracting costs of other deductions, the total of which is not based on salary and similar forms of income.

Maximum per cent of income available

This percentage is an approximation of the amount of income available to investors to use against the loan.

 

Annual expenses

A summation of all expenses made against the finances of an individual, including but not limited to rent, clothing, car loans, medical, and mortgage expenses.

Monthly car loan repayment

This is the amount paid to lenders against fulfilling any car loan agreement.

Average monthly credit card repayment

This is the amount paid to lenders against fulfilling a credit card loan agreement.

Other payments

Any and all other payments and expenses not listed in the calculations, but not included in your annual expenses calculations.

 

Interest rate

The amount of interest due per period, as a proportion of the amount loaned, deposited or borrowed.

Loan term

The number of years needed to repay the loan, as indicated in the loan agreement.

Interest rate buffer

An added percentage in addition to your interest rate as a coping mechanism if loan repayments rise.

 

Approximate amount of loan

An amount that estimates the total loan available to use by investors.

Approximate monthly repayments

An amount that estimates the value of monthly repayments to be made to use by investors to satisfy the loan.

DISCLAIMER:

The information provided by this calculator is intended to provide an approximate estimate based on stated assumptions and inputs entered. For more information, read more on Copyright, Legal and Disclaimers.

NEWSLETTER
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FROM THE WEB

podcast

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With the softening market impacting property values in many parts of Australia, Sally Dale, Opteon state director for NSW, ACT and Qld joins us to discuss the importance of valuations in the current property market

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Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.

Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

Do this one thing before you invest in a commercial SMSF property
Why is investing in commercial property in an SMSF so popular?
Premium property declines while affordable properties on the rise

AREAS MENTIONED: 

Sydney
Brisbane
Adelaide

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A softening market can be a difficult time for a property investor with finance approval tightening and property capital growth slowing, and while many real estate agents are also feeling the squeeze McGrath Brighton Le Sands' Bill Tsounias claims it is simply the market returning to normal.

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In this episode of the Smart Property Investment Show, Bill joins host Phil Tarrant to share his thoughts on the current Sydney property market, and to share the shifts that he has seen in house and unit sale prices following their worst quarter in the past decade.

Bill will unpack why properties are spending longer on market, share what he believes property investors are doing wrong when trying to sell their properties and share the secrets to getting the best out of a real estate agent and an auction in the current softening market.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

Why I still buy in Sydney
Property market update: Sydney, July 2018
Sydney rental market slowing, latest research finds

AREAS MENTIONED:

Revesby
South Hurstville
Sans Souci
Strathfield

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Top 100 ranked agent Bill Tsounias shares the secrets to getting the best deal in a softening market
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  ["title"]=>
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  ["introtext"]=>
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Gavin Kemp and his now-fiancé bought their first property together after only six months of dating. They weren’t even living together at the time. Now, two years on, the pair have bought five properties, sold two and have a solid plan in place for their ongoing property journey. 

" ["fulltext"]=> string(2893) "

In this episode of the Smart Property Investment Show, Gavin joins host Phil Tarrant to discuss how he chose the locations where he decided to invest and how, due to the initial lack of education (something that he now values highly), he lost money on his first two investments.

Gavin will share his thoughts on the current property market, reveal the people who he has leaned on throughout his property journey and discuss why his strategy employs a zero procrastination rule.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

What makes a good investment suburb?
Two components of good investment research
How Greta purchased four properties in a year

AREAS MENTIONED:

Redcliffe
Port Macquarie
Loganlea
Launceston
Raceview

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A joint property portfolio before they were even living together

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