APRA Borrowing Capacity Stress-Test Calculator
Test your maximum home borrowing capacity under APRA's +3.0% stress-test rate buffers.
APRA Borrowing Capacity Stress-Test Calculator
Simulate bank lending stress limits under APRA's +3.0% interest rate buffers.
Household Balance Sheet
APRA Regulatory Warning
Calculations assume a stressed repayment test rate of 9.2%. If your loan application exceeds 6.0x gross income, it faces tighter validation checks.
What is the APRA Borrowing Capacity Stress-Test Calculator?
Check your Australian borrowing capacity. Models bank net serviceability limits, monthly basic expenses, existing debts, and APRA's mandatory +3.0% interest rate buffer.
How Does the APRA Borrowing Capacity Stress-Test Calculator Work?
1. Input Gross Annual household Income. 2. Set monthly household expenses and debt repayments. 3. Input current mortgage interest rate. 4. View your estimated borrowing capacity and real monthly payments.
Formula & Calculation Method
Computes monthly net income after tax, deducts expenses and debts, applies a serviceability limit (35%), and calculates maximum loan using a stressed rate (+3.0%). Caps the loan at 6.0x gross income (DTI).
Example Calculation
Household income $150k, expenses $3k/mo. Stressed interest rate = 6.2% + 3% = 9.2%. Max borrowing capacity yields ~$650,000 under Cash Flow constraints.
Frequently Asked Questions
Computes monthly net income after tax, deducts expenses and debts, applies a serviceability limit (35%), and calculates maximum loan using a stressed rate (+3.0%). Caps the loan at 6.0x gross income (DTI).
Disclaimer: This tool is provided for informational and calculation purposes. Output values are estimates based on standard user inputs.