Self-employed borrowing power in 2026: how lenders read your income
Tax returns, add-backs, and the documents self-employed borrowers need to maximise their assessed income in 2026.
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Australia's AI home loan assistant.
Work out your repayments, borrowing power, stamp duty and LMI in seconds — then ask our AI anything about Aussie home loans. Free and unbiased.
Repayment calculator Live
Principal & interest · monthly · drag to adjust
Loan amount$650,000
Interest rate6.09% p.a.
Loan term30 years
Monthly repayment
$3,926/mo
Total interest
$763,200 over the life of the loan
$763,200 over the life of the loan
Not sure what rate you'd get? Ask the AI →
Built for Australian home buyers & refinancers
All 8 statesstamp duty & grants
Every lender typebanks · non-banks · brokers
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The toolkit
Every number you need before you buy.
Twelve calculators built on current Australian lending rules — recalculated instantly as you type. No spreadsheets, no sign-up.
🏠
Repayment
Monthly, fortnightly or weekly P&I or interest-only repayments.
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Borrowing power
How much a lender may let you borrow based on income & expenses.
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Stamp duty
Transfer duty + first-home concessions for every state & territory.
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LMI estimator
Lenders Mortgage Insurance by deposit size & LVR band.
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Offset savings
See how much an offset account cuts your interest & loan term.
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Refinance break-even
Will switching lenders actually save you money after costs?
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Like having a mortgage broker in your pocket — minus the sales pitch.
Our assistant is trained on current Australian lending policy, lender criteria and government schemes. Ask in plain English and get a straight answer, with the maths shown.
- ✓Plain-English answers — "Can I buy with a 5% deposit?" → a clear yes/no with the conditions.
- ✓Runs the numbers for you — it fills in the calculators from your question automatically.
- ✓Knows the schemes — First Home Guarantee, stamp duty concessions, state grants.
- ✓Warm hand-off — want a human? It can connect you to a licensed broker, only if you ask.
You
I earn $95k, my partner earns $70k, we've saved $80k. What can we afford in Brisbane?
AI
On a combined $165k with an $80k deposit, most lenders would consider up to ~$740k–$790k. In QLD your first-home stamp duty concession could save ~$15,600. With a 10% deposit you'd pay LMI unless you use the First Home Guarantee — want me to model both?
You
Show me repayments at 6.1% on $760k.
AI
$760k over 30 yrs at 6.10% ≈ $4,608/mo. Dropping the rate 0.30% saves ~$147/mo. I've loaded this into the repayment calculator ↑
Market snapshot
Rates & the numbers that move your repayment.
Indicative figures, updated regularly — a starting point, not a quote. Ask the AI what these mean for your loan.
RBA cash rate
4.35%
▴ raised twice in 2026
Lowest variable (owner-occ)
5.69%
▾ market low
Lowest 2-yr fixed
5.99%
▴ 0.10
Avg new loan size
$642k
▴ nationwide
Guides & explainers Borrowing Power 贷款能力 Borrowing Power
Understand the loan before you sign it.
Editorially maintained explainers on deposits, LVR, offset accounts, first-home schemes and refinancing — written for real buyers.
2026年自雇人士贷款能力全攻略
报税记录、加回项目、需要哪些文件——自雇人士最大化评估收入的方法。
Serviceability for two incomes: how lenders assess couples and dependants
Joint applications, dependant loading, maternity leave — making two incomes work harder for your home loan in 2026.
Get a clear answer in the next 60 seconds.
Free, unbiased, and no email required. Ask the AI or jump straight into a calculator.