Single parent borrowing capacity on $100,000 with HECS debt
Short answer: a single parent with two children earning $100,000 and repaying HECS/HELP could borrow roughly $263,000–$332,000, depending on the lender.
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Conservative vs flexible panel lenders on $100,000 as a single parent with HECS
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 $263,000, versus a more flexible lender at about $332,000.
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.
How much HECS costs your borrowing power
At $100,000, the compulsory HECS/HELP repayment is roughly $413 a month (estimated at 15c per dollar above $67,000). Without it, the range would be about $306,000–$380,000.
Child support and Family Tax Benefit received can count as income with many lenders — that alone can change the picture substantially.
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.