Self-Employed Borrowing Power Calculator
Estimate borrowing power from ABN/company income using 2-year NOA averaging, add-backs and lender shading.
Estimated maximum mortgage
$185,625
Recognised annual income$41,250
Max loan from income multiple$185,625
This is an estimate only. Actual lending criteria, income-recognition rules and affordability stress tests vary by lender — speak to a mortgage broker or lender for a precise figure.
How lenders assess self-employed borrowing power
Lenders generally treat self-employed and ABN income more conservatively than a PAYG payslip. The typical approach averages the last two years of tax returns or Notices of Assessment, adds back non-cash items like depreciation, and often applies a shading or discount to income that looks volatile or is heavily reliant on one client.
What this calculator models
- Two-year Notice of Assessment averaging for self-employed income
- Common add-backs such as depreciation and one-off expenses
- An income shading adjustment for variable or contract-based earnings
- A resulting indicative borrowing power figure to compare against a standard PAYG assessment
