Property Runway
Free borrowing-capacity calculator · models up to 2 properties
Your finances
Used to assess how much you can service.
Your pre-tax annual income. Drives the serviceability assessment.
$
Pre-tax annual income of a co-applicant, if any. Added to assessable income.
$
The combined LIMIT across all cards — not the balance. Lenders count 3% of the limit as a monthly commitment regardless of what you owe.
$
Other recurring monthly debt repayments (car/personal loans, HECS is treated separately).
$/mo
Current portfolio
Properties you already own (leave empty if none yet).
No current properties added.
Purchase plan
Properties you want to buy next, in order.
Purchase 1
Expected gross weekly rent for the property you plan to buy.
$/wk
Loan interest rate. Assessment adds the 3.0% APRA serviceability buffer on top.
% p.a.
Interest-only eases repayments now but the engine models the P&I cliff when IO expires.
Tier sets how heavily rent is shaded. Tier 1 shades hardest; specialist lenders less so. Based on generalised lender assumptions.
Your results appear here
Enter your income, add any current properties and a purchase plan, then calculate.