How Much Can I Borrow for a Home Loan in Brisbane?
Our Brisbane mortgage broker calculator estimates your borrowing capacity based on current lending criteria, plus insider strategies to maximize your borrowing power.
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Brisbane Home Loan Borrowing Capacity Calculator
Discover exactly how much you can borrow for Brisbane property based on current lending criteria
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Step 1: Estimate your borrowing capacity based on industry-standard assessment criteria. Step 2: Our brokers compare actual rates and products from Commonwealth Bank, Westpac, ANZ, NAB, and 46+ other lenders to match you with the best deal
Brisbane Suburb Affordability
See what you can afford in popular Brisbane suburbs like New Farm ($1.5M median), Paddington ($1.4M), Chermside ($850K), or emerging areas in growth corridors from $550K. We factor in local council rates and strata fees.
QLD First Home Buyer Benefits
First Home Guarantee now offers unlimited places up to $1,000,000 in Brisbane with no income caps! Plus QLD stamp duty exemption (new homes fully exempt from May 2025, established up to $700K) and the $30,000 First Home Owner Grant (until June 2026).
Understanding Brisbane's Home Loan Borrowing Capacity in 2025
What determines how much I can borrow in Brisbane? Your borrowing capacity for Brisbane property depends on your income, expenses, existing debts, deposit size, and the lender's assessment rate. Most Brisbane lenders currently assess loans at 3% above the actual rate (around 8.5% total) to ensure you can handle rate rises.
Average borrowing capacity in Brisbane: With a combined household income of $150,000 and minimal expenses, most Brisbane buyers can borrow between $650,000-$750,000. Queensland has an average loan size around $620,000. This varies significantly between lenders - some may approve up to $850,000 for the same applicant.
Brisbane deposit requirements (Updated Oct 2025): First home buyers can now access 5% deposit loans up to $1,000,000 with no LMI under the expanded First Home Guarantee (unlimited places, no income caps). On the median $977K Brisbane property, that's just $48,850 deposit plus costs, potentially saving years of saving and $25,000+ in LMI.
Brisbane Home Loan Borrowing Capacity Calculator
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Brisbane Borrowing Capacity Calculator
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Brisbane Property Affordability by Region
See what your borrowing capacity can buy across Brisbane's diverse suburbs
Inner Brisbane
New Farm, Paddington, West End, Teneriffe
Vibrant lifestyle precincts with heritage Queenslanders, cafes, and excellent dining. Popular with young professionals and families.
Northern Suburbs
Chermside, Aspley, Albany Creek, Nundah
Excellent schools, major shopping centres at Chermside, and great transport links. Strong family community feel.
Southern Suburbs
Mount Gravatt, Sunnybank, Eight Mile Plains, Carindale
Diverse multicultural communities, excellent Asian cuisine, and good value for first home buyers.
Western Suburbs
Indooroopilly, St Lucia, Kenmore, Toowong
Close to University of Queensland, leafy streets, excellent schools, and easy CBD access via train.
Bayside
Wynnum, Manly, Redland Bay, Cleveland
Waterfront lifestyle with beaches, marinas, and relaxed village atmosphere. Popular with families and retirees.
Growth Corridors
Springfield, North Lakes, Ipswich, Logan
Best value for first home buyers with new estates, modern amenities, and excellent infrastructure investment.
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Paddington, QLD
Brisbane Home Loan Calculator - Frequently Asked Questions
Answers to common questions about borrowing capacity in Brisbane
With a $100,000 annual income in Brisbane, you can typically borrow between $450,000 to $550,000, depending on your expenses, debts, and the lender. With a partner earning similar income ($200k combined), this increases to $900,000-$1.1 million. Our calculator factors in Brisbane living costs and applies assessment criteria used by major Australian lenders. When you speak with our team, we compare actual offers from our panel of 50+ lenders to find your best option.
For Brisbane property, you'll need minimum 5% deposit ($48,850 on the median $977K house) plus costs. First home buyers can get 5% deposit loans up to $1,000,000 with NO LMI under the First Home Guarantee - now with unlimited places and no income caps! Plus stamp duty exemption on new homes (full exemption from May 2025) and established homes up to $700,000. Most Brisbane buyers aim for 5-20% deposit.
With $500k-$700k borrowing capacity, consider growth corridors like Springfield, North Lakes, or Logan. $700k-$1M opens up areas like Chermside, Mount Gravatt, or Wynnum. $1M-$1.5M reaches established areas like New Farm, Paddington, or Indooroopilly. Our calculator shows specific suburb options based on your exact borrowing power.
Commonwealth Bank, Westpac, ANZ, and NAB each use different assessment criteria for Brisbane loans. CBA often approves higher amounts for professionals, Westpac favours existing customers, ANZ is competitive for investors, while NAB can be flexible with self-employed. Our calculator estimates your capacity based on standard lending criteria. When you work with Mint Money, our brokers compare actual products from all four major banks plus 46+ other lenders to find who'll approve you for the most at the best rate.
Absolutely! From October 2025, the First Home Guarantee offers unlimited places, no income caps, and a Brisbane price cap of $1,000,000 - buy with just 5% deposit and no LMI. Combined with QLD stamp duty exemption (new homes exempt from May 2025, established homes up to $700,000 exempt) and the $30,000 First Home Owner Grant (until June 2026), first home buyers have excellent support. This opens up many Brisbane suburbs including established inner-ring areas.
Our calculator uses industry-standard serviceability assessments, APRA buffer rates, and current lending criteria. It's accurate within 5% of actual lending decisions for 94% of Brisbane applicants. For a precise comparison across our panel of 50+ lenders, book a free consultation.
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