How much can a couple earning $300,000 combined borrow?
Short answer: a couple earning $300,000 combined ($180,000 + $120,000) with no kids or other debts could borrow about $1,447,000 with a conservative lender and up to $1,677,000 with a more flexible one.
Get your exact range in 60 seconds
Five quick questions — income, partner, kids, debts and card limits.
Conservative vs flexible panel lenders on a $300,000 combined income
With the RBA cash rate at 4.60% and every lender adding the 3% APRA serviceability buffer, the same household can still get very different answers. Modelled here: a conservative lender (higher expense loading, lends against less of your surplus) at about $1,447,000, versus a more flexible lender at about $1,677,000.
That gap is why we compare policy, not just rates. Take the 60-second quiz for your own range, then book a chat for a lender-specific figure.
With two dependants
Add two children and the range falls to about $1,331,000–$1,560,000, because HEM living expenses rise with each dependant.
An honest word on accuracy
Indicative estimates only, assessed at 6.1% plus a 3% buffer over 30 years with HEM-based expenses. Not an offer, pre-approval or credit advice.
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Frequently asked questions
This page is general information only and not financial advice. Lending criteria, rates and government schemes change — speak to an XLOANS broker for advice tailored to your situation. XLOANS is a Melbourne-based mortgage broking service.
Book a free 15-minute chat
Pick a time that suits you and an XLOANS broker will call to talk through your situation — no cost, no obligation.
Get a lender-specific borrowing figure
A free 15-minute chat factors in your real income, expenses and debts.