FreeNo sign-in. Nothing leaves your browser.

Mortgage affordability calculator

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

See roughly how much a lender may let you borrow, what it would cost each month, and what the home price could be.

Estimate only. Lenders set their own limits.

Common questions

How much can I borrow for a mortgage?

Most lenders offer around 4 to 4.5 times your yearly income, subject to affordability checks.

Do joint incomes count together?

Yes. Lenders usually add the incomes of all borrowers.