The amount of home loan you can borrow depends on a variety of factors. To get the most comprehensive calculation, complete the steps in the Homeowner 360° tool which will give you your maximum home loan capacity and also what type of property you can purchase. Alternatively, you can visit 99.co's affordability calculator. You can then find the perfect mortgage for you via this tool which searches across banks, compares different packages and secures the best deal for you. Before you choose a home loan package, you might want to read more about loan-to-value limits, Mortgage Servicing Ratio and Total Debt Servicing Ratio, to better understand your borrowing capacity limits.