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From the beginning of the home buying process, it is essential to ensure that you are house-hunting within the right affordability bracket.

Banks calculate affordability based on disposable income after deductions and expenses. Your disposable income must be more than 30% of your gross monthly income for banks to approve a home loan. The home you can afford depends on your monthly income, expenses, outstanding debt, and credit profile.

Make use of our bond affordability calculator to understand what you can afford when buying a property.

You can also see your affordability, by viewing a copy of your latest credit report. We have included your affordability assessment, on your credit report, for your convenience. Take a look we give you FREE access to your credit report.