What is borrowing power?

Borrowing power is the amount you can borrow from your lender. The more borrowing power or capacity you have, the higher the loan amount or credit limit you can receive.

How does our borrowing power calculator work?

Our borrowing power calculator provides you with an estimated amount you could borrow. This is based on many factors including your:

  • contribution
  • income
  • expenses entered.

This is an estimate only and doesn't take into account loan eligibility criteria or your complete financial position. For more information, refer to how this calculator works.

Ready to get started?

Book an appointment with your NAB banker to discuss your options.

Looking for another tool or calculator?

Whether you're a first home buyer, refinancing your current home, buying or investing in a new property we have a variety of tools and calculators to help you calculate your borrowing capacity.


Contact us for home loan related queries

This is how you can get in touch.

Start a conversation with a banker

  1. Log into either NAB Internet Banking or the NAB app.
  2. Tap on the message icon.
  3. Type ‘speak to a person’ in the conversation window.

Call us

Speak to a home loan expert about a new or existing home loan.

Monday to Friday, 8:00am to 7:00pm (AEST/AEDT)
Saturday to Sunday, 9:00am to 6:00pm (AEST/AEDT)

13 78 79

Book an appointment

Make an appointment to see us at your nearest branch, ask a mobile banker to come to you or ask us to call you back.

Important information