Cross-Border Borrowing Capacity
Estimate your home-loan borrowing capacity under the lending country's rules: APRA serviceability buffer (+3 pts) in Australia, HCSF debt-service cap (35%, 25 years max) in France.
Australian lenders apply at least the HEM benchmark for your profile.
Estimated borrowing capacity
$689,709
Total purchase budget (with deposit)
$789,709
Calculation detail
- Maximum monthly repayment used
- $5,500
- Assessment rate (rate + 3pt APRA buffer)
- 8.90%
- Term applied
- 30 years
- Actual repayment at the nominal rate
- $4,091
Simplified surplus model: net income − expenses − commitments, with repayments assessed at the APRA-buffered rate. Each lender also applies its own income shading (especially on foreign income).
Important disclaimer
Indicative estimate only: every lender applies its own credit policy (foreign-income shading, HEM, LVR/LMI, borrower insurance, HCSF exemptions...). Only an assessment by a broker or bank is authoritative. This is not credit advice.