Specialized financial tools to help Australian Mortgage Brokers understand and maximize their customers borrowing capacity, especially when dealing with complex scenarios.
Try Our HECS CalculatorUnderstand how student debt affects your customers borrowing capacity and explore alternative servicing options.
Try NowReview your applicants payslips to verify their year to date income accurately, and identify hidden deductions in prior pay periods.
Coming SoonCompare different loan options and see how they impact your customers monthly payments and total interest.
Coming SoonBorrowingCapacity.ai was developed to help Australians with student debt understand their true borrowing potential. Many lenders don't account for the special nature of HECS/HELP debt, which can significantly impact your ability to secure a mortgage.
Our tools implement the latest alternative servicing methods recognized by major lenders, helping you present a more accurate picture of your financial situation when applying for a home loan.
Provide information about your income, HECS/HELP debt, expenses, and other financial commitments.
Our calculator will analyze your financial situation and determine your borrowing capacity using both standard and alternative servicing methods.
See how different approaches to handling your HECS/HELP debt can impact your customers borrowing power, and get recommendations for improving your position.
Generate a detailed PDF report to share with the lenders assessors to support your customers loan application.