Home Loan Borrowing Power Calculator

If you're wondering 'how much can I borrow for a mortgage', our home loan borrowing power calculator can help you. Simply enter your income, expense and loan details to get an estimate of your borrowing power.

Research tools

Buying a home

Find out what's involved in the home loan application process with this simple, 4 step graphic.

Package your Standard Variable or Standard Fixed home loan together with a credit card, and save with discounts on interest rates and fee waivers. 

How much money you can borrow will depend on your financial situation, your mortgage repayments, the type of property and your overall application.

Can I seek pre-approval on my loan?

Yes! We offer a pre-approval process to help give you some peace of mind when you’re wanting to make an offer on a property.  Enquire online, visit your local branch or phone 13 14 22 to find out if you qualify for a pre-approval or learn more about how pre-approval can help you.

What is loan to value ratio (LVR)?

The LVR is the loan amount as a percentage of the value of the property. If you want to borrow $450,000 to buy a property valued at $500,000, that’s an LVR of 90%. All home loans have a maximum LVR. 

How do I apply for a home loan, personal loan or credit card?

Apply for a Heritage home loan, personal loan or credit card in a way that suits you.


Contact your local branch to make an appointment to talk to a Lending Specialist.

Virtual Appointment

Available for Home Loans. If you would like to conduct your appointment over a video conference let us know when you call your local branch. Our lenders have access to video conferencing technology so you can have the same experience of a face-to-face appointment, virtually! 


Enquire for a credit card, home loan, personal loan or business loan online now. We’ll get back in touch with you as soon as possible to chat about your application and answer any questions you have.

Over the phone

You can start an application by calling us today on 13 14 22. We're available 24/7.


What makes our home loans better?


Flexible repayment options

Free unlimited extra repayments and online redraw of payments in advance


Package your loan

Package your eligible Standard Fixed or Standard Variable home loan with a credit card in our Home Advantage Package to save


People first service

People first service and commitment to our customer-owned values

We're here to help

Our Lending Specialists are here to support you through every step of your home buying journey.

If you have a question about our home loans, tap here to get in touch with us in the way that suits you.