Home loan
How much can you borrow?
Before you start viewing properties, know your real budget. Adjust your income, the term and the rate, and watch your borrowing capacity recalculate live.
Debt-to-income ratio capped at 35% (HCSF standard), borrower insurance not included. Indicative estimate: your bank remains the sole decision-maker.
Amount you can borrow
N/A
How is your capacity calculated?
The bank starts from a simple principle: your loan repayments should not exceed 35% of your net income, insurance included. This maximum monthly payment, applied to the term and rate, determines the capital you can borrow. The longer the term, the more you can borrow, but the higher the interest cost.
This is a starting point, not a decision. Your residual living income, the stability of your earnings and your overall profile matter just as much. That's where personal guidance makes the difference.
Start together
Wealth is built over time.
Let's plan a first 30-minute conversation. No commitment: a clear discussion of your situation, and the priorities that follow from it.
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