Serviceability Calculator

Loan Serviceability Calculator

Assess borrowing capacity the way a lender does — NDI ratio, DTI, LVR and maximum loan amount, with support for up to 6 applicants, self-employed and company income, investment properties and existing commitments.

切换中文版Assessment parameters v4.00 (1 July 2026)

Loan Details

$
$
%

PAYG Income (Annual)

$
$

Self-Employed / Sole Trader / Partnership (Annual)

$
$
$
$

Variable Income (Annual)

$
$
$
$

Rental Income — If used for Assessment (Annual)

Commitments (Monthly)

$

Living Costs

$
$0/month

Serviceability Result

NDI Ratio

0.00 : 1

Not Serviceable

DTI Ratio

1.0

LVR

62.50%

Maximum Loan Amount

$0

AnnualActualAssessment
Gross Income$0$0
Taxable Income$0$0
Net Income$0$0
Total Commitments$0$0
Living Costs$0$0
Net Available Income$0$0
Proposed Repayments$37,924$46,135
Net Disposable Income$0$0

Important Information

This calculator provides estimates only, based on MPFG Capital's current serviceability parameters (v4.00, 1 July 2026), including a 2% assessment buffer, a 6% floor rate for existing commitments and HEM living-expense benchmarks. Results do not constitute credit advice, an offer of credit, or loan approval. Actual assessment outcomes depend on full application details and lender verification. MPFG Capital Pty Ltd — Australian Credit Licence 553698.