How much can I borrow? A worked guide with real numbers
Lenders don't use a salary multiple. They test whether your income covers your living costs and debts at a rate well above today's. Here is that test, worked through step by step.
Section
Loans
How home loans actually work: borrowing power, income assessment, features and the trade-offs behind them.
Offset vs redraw, with the numbers
Both features cut your interest by the same amount. The differences are in access, flexibility and tax, and they matter most if your home might one day become an investment property.