Docked Calculate

Australian affordability guide

Know before you apply.

Real-world Australian home loan affordability tools. No guesswork, just a clearer starting point before you talk to anyone.

Use calculators Check affordability
  • Repayments and borrowing power
  • Private statement quick check
  • Plain-English loan answers

Calculators

Repayment calculator

Estimate repayments at different loan amounts, rates, terms, and payment frequencies.

Borrowing power guide

A rough guide using income, expenses, debts, dependants, and a conservative assessment rate.

Refinance savings calculator

Compare the current loan to a new rate and estimate annual savings and break-even time.

Deposit and LVR calculator

Check the estimated loan size, loan-to-value ratio, and deposit gap for a target property price.

Extra repayment calculator

Estimate how additional monthly repayments could reduce interest and shorten the loan term.

Bank statement quick check

Upload recent statements and get an instant affordability guide.

Docked estimates monthly income, spending, surplus cashflow, and a rough loan capacity from your statement export. It is a guide only, but it gives you a sharper starting point before asking for help.

Your files stay private in this quick check

Statement files are read in your browser. This static page does not upload statement files to Docked. If you ask for help, Docked receives the affordability summary and file names, not the statement files.

Instant affordability guide

CSV, TXT, OFX, and QIF exports work best. Text-based PDFs may be estimated; scanned PDFs need manual figures or human review.

No files selected yet After choosing files, press Check my affordability below.
Enter figures manually instead

Result

Upload statements or enter figures to start.

Docked will show an estimated affordable repayment and rough borrowing guide here.

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Get help

Ready to check your options with a real person?

Share your scenario and Docked can introduce you to an Australian loan specialist, broker, lender, or authorised credit representative who can look at your actual situation.

Important disclosure

Docked is not presenting itself as a lender or credit adviser. Any credit assistance should be provided by a licensed broker, lender, or authorised credit representative. Docked may receive a referral fee or affiliate commission if you proceed with a provider.

Privacy note

Docked collects your contact and loan details to respond to this enquiry, keep a record, and connect you with a broker or credit representative if you consent. If you do not provide contact details, a callback cannot be arranged.

Common questions

Is my bank data shared with lenders?

No. Calculations run locally in your browser. Statement uploads are not sent to Docked, banks, brokers, or lenders unless you choose to submit a help request.

How accurate are these calculators?

They are a practical guide, not an approval. Lenders still assess income, spending, credit history, deposit, property type, buffers, and policy rules before making a decision.

What is LVR and why does it matter?

LVR means loan-to-value ratio. It compares the loan amount to the property value, and it can affect lender options, interest rates, and whether lenders mortgage insurance applies.

Do you provide credit advice?

Docked provides calculators, education, and enquiry routing. Any credit assistance should come from a licensed broker, lender, or authorised credit representative.

What documents do brokers usually ask for?

Common documents include ID, payslips, bank statements, tax returns for self-employed borrowers, loan statements, rates notices, rental income evidence, and details of assets, debts, and living expenses.

Can self-employed borrowers get a home loan?

Yes, but lenders usually review business income differently. A broker may compare full-doc and alt-doc options, business financials, BAS, tax returns, income stability, and loan purpose.