Sponsored Placement
APRA APS 220 300 bps Stress Buffer
Mortgage Borrowing Power & HEM Benchmark Calculator
See your true borrowing limit stress-tested at the mandatory APRA 3.0% interest buffer, and find out how closing unused credit cards or BNPL restores tens of thousands in capacity.
$
Active Credit Cards & Debt Limits
Assessed at 3.8% ($228/mo)
Afterpay/Zip commitment
APRA APS 220 Assessment Limit
$496,258
Estimated Maximum Loan Amount (30-Year P&I)
⚡ Restorable Capacity:+$40,757 AUD
By closing your $6,000 credit card and clearing BNPL commitments.
Net Monthly Income:$6,614 / mo
Assessed Living Cost (HEM):$2,200 / mo
Credit Card & Debt Assessment:-$335 / mo
APRA Assessment Rate:9.24% p.a.
Sponsored Partner • Licensed Australian Credit Panel
Compare 35+ Tier-1 & Regional Mortgage Lenders
Unlike legacy portals who sell your phone number to broker boiler rooms, access an un-biased panel of Australian Credit Licence (ACL) holders with zero sales harassment.
Australian Credit Licence regulated panel. Zero fee to borrower.
Unbiased Mathematical Comparison
Verified Australian Lending Panel
Sorted by mathematical net yield • Zero phone number gating • Zero sales harassment
| Lender & Product | Advertised Rate | Comparison Rate | Key Feature | Action |
|---|---|---|---|---|
Tier-1 Major Bank Partner Complete Home Loan (Owner Occupier P&I) | 5.89% p.a. | 5.92% p.a. | 100% Multiple Offset Accounts + Free Redraw | Check Eligibility → |
Digital Direct Challenger AcceleRate Variable Special | 5.79% p.a. | 5.81% p.a. | Lowest Variable Rate • Zero Ongoing Monthly Fees | Check Eligibility → |
National Regional Bank First Home Buyer Advantage | 5.94% p.a. | 5.98% p.a. | Australian Home Guarantee Scheme (5% Deposit No LMI) | Check Eligibility → |
Specialist Investor Lending Investor Equity Accelerator | 6.14% p.a. | 6.19% p.a. | Interest-Only Available (up to 5 Years) • High Tax Deductibility | Check Eligibility → |
HomeSec Commercial Finance Urgent Short-Term Caveat Loan | 1.25% / mo | 1.25% | 24-Hour Fast Settlement • No Financials Needed • $50k to $2M+ | Check Eligibility → |
Statutory Comparison Warning: The comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. BankToSheet does not charge borrowers any fees. We may receive referral compensation from licensed partners upon loan settlement.