Admin mode — HEM floors, lender assumptions and rate table are editable and saved to this device. Exit admin

4-Lender Serviceability Calculator

InvestrGuru — side-by-side borrowing capacity across a 13-lender panel (Tier 1 majors, Tier 2 banks, Tier 3 non-banks)

For indicative use only. This is a simplified model, not a replacement for each lender's actual servicing calculator. Assessment rates, shading percentages and buffers below are seeded from public information as of July 2026 and change frequently — always confirm current figures against each lender's live broker policy/BDM before relying on a result. It ignores HEM lookups, HECS bracket detail, and lender-specific exceptions/policy carve-outs.

Income

Applicant 1 gross salary (p.a.)

Applicant 2 gross salary (p.a.)

Leave 0 if single applicant

Other income — bonus/overtime/allowances (p.a., gross)

Existing rental income — other IPs (p.a., gross)

Subject property rental income (p.a., gross)

Only if the new loan is for an investment property

Living Expenses & Dependents

Declared living expenses ($/month)

Number of dependents

Expense floor — single ($/month)

Expense floor — couple ($/month)

Add per dependent ($/month)

Where these numbers come from: they are not real HEM data. Genuine HEM is a licensed Melbourne Institute benchmark that varies by postcode, income band and household composition, and every lender scales it differently — it isn't published free anywhere. The three figures above are a single indicative household floor used across all lenders in this tool. The calculator assesses the higher of your declared expenses and this floor. Overwrite them with your own aggregator/lender figures for a closer result.

Existing Liabilities

Other home/investment loan balances — total ($)

Remaining term on existing loans (years)

Car/personal loan repayments ($/month, actual)

Total credit card limits ($)

HECS/HELP repayment ($/year)

Proposed Loan

Proposed loan amount ($)

Loan term (years)

Lender assumptions (lender panel settings)

Lender	Assessment rate (%) stressed rate applied to all debt incl. proposed loan	Rental income shading (%) recognised portion of gross rent	Other income shading (%) bonus/overtime recognised	Credit card loading (%/mo of limit)	DTI cap (x gross income)

These settings are maintained by InvestrGuru and shown read-only. Sourced defaults: ANZ applies a 3.0% buffer with no exceptions (one of the only majors not to offer a lower buffer). Firstmac uses a 2.0% buffer as a non-bank lender ("more realistic stress buffer" per its CFO). NAB reduced its rental income shading haircut to ~10% (i.e. recognises ~90%) in recent policy updates. Liberty (specialist non-bank) figures below are indicative industry-standard settings — Liberty publishes less publicly and often assesses case-by-case, so confirm directly. Rental/other-income shading for ANZ and Firstmac uses the general industry standard band (70–85%) as an editable placeholder — replace with the exact current figure from each lender's servicing calculator.

Advertised rate comparison (indicative advertised rates)

Lowest rate in each column is badged Best. These are indicative advertised variable rates for a standard ~80% LVR loan, entered manually — discounts, package fees, LVR tiers and promo rates all move the real number. Always confirm before quoting a client.

Lender	Owner-occ P&I (%)	Owner-occ IO (%)	Investor P&I (%)	Investor IO (%)

Rates as at — maintained by InvestrGuru; shown read-only.

Results — per lender

Max borrowing capacity comparison

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