Creator loan calculators

Four calculators built around how lenders actually treat creator income: what your repayments look like, how a bank reads two years of platform income, roughly how much you could borrow, and whether a 5 percent deposit is on the table.

Repayment calculator

Principal and interest or interest-only, any frequency, plus what extra repayments do to the term.

Loan amount

Interest rate (% p.a.)

Loan term (years)

Repayment type

Frequency

Extra repayment each period (optional)

Your repayments

per month, principal and interest

$0Total interest over the loan

$0Repayment if rates rise 3 percent

30 yrsTime to repay with extras

$0Interest saved by extras

Check what you could borrow

Assumptions. Repayments are calculated on the rate you enter, held constant for the whole term. Interest-only shows the interest-only repayment for the first five years and the higher principal and interest repayment over the remaining term. The stress figure uses the rate you enter plus 3 percent, which is the serviceability buffer lenders commonly apply. Fees are not included. This is an estimate, not a quote.

How a lender sees your income

Enter net profit from your last two financial years. Lenders use one of three methods, and which one your lender uses can change your usable income by tens of thousands.

Most recent FY net profit (after expenses)

Prior FY net profit

Structure

Depreciation claimed, most recent FY (add-back)

Depreciation claimed, prior FY

One-off expenses in the most recent FY (studio fit-out, legal, other non-recurring)

Usable income by lender method

Method	Usable income
Two-year average	$0
Lower of two years	$0
Most recent year, growth capped at 20 percent	$0
Most recent year in full (some lenders)	$0

Spread between best and worst method: $0. That gap is entirely a lender selection question, not a creditworthiness one.

Read how assessment works

Assumptions. Sole trader income is net profit plus accepted add-backs. Company income counts wages and dividends paid to you plus the add-backs, which is how most lenders treat a company; a minority accept retained profits for a sole director, shown separately in the flags. Depreciation is added back because it is a non-cash expense; one-off expenses are added back to the most recent year only where a lender accepts them. The 20 percent growth cap is a common policy setting, not a universal one. This is a guide to how policies differ, not a lender decision.

Borrowing power estimate

A simplified version of a lender's serviceability calculator, using an assessment rate 3 percent above the actual rate.

Usable income (annual, before tax; carried from the income tab) Other household income (annual, before tax, partner on the loan)

Dependants

Monthly living expenses (lender minimum applies)

Existing monthly loan repayments (car, personal, other property)

Total credit card and BNPL limits

HECS or HELP balance

Actual interest rate (% p.a.)

Loan term (years)

Estimated borrowing power

indicative maximum loan

$0Net monthly income after tax

$0Monthly commitments counted

$0Monthly surplus for a loan

0%Assessment rate used

Get a real assessment

Assumptions. Tax is estimated on 2026-27 resident rates plus 2 percent Medicare levy, with no offsets. Living expenses are the higher of your figure and a floor that rises with dependants; lenders apply their own benchmark. Credit cards are counted at 3.8 percent of the total limit per month whether or not you use them. HECS is counted at the 2026-27 compulsory repayment amount for your income (marginal system, threshold $69,528). The maximum loan is the amount the monthly surplus can service at the actual rate plus 3 percent over the term. Real lender calculators differ, and low-doc loans and adverse credit reduce the figure. This is an estimate, not an approval.

Deposit, LVR and the First Home Guarantee

Works out your loan-to-value ratio, whether lenders mortgage insurance is likely, and whether the property sits inside the 5 percent scheme's price cap for your area.

Purchase price Deposit available (genuine savings held for three months or more)

State or territory

Location

First home buyer? (never owned property in Australia, or not in the last 10 years) Estimated purchase costs (conveyancing, transfer and registration; stamp duty varies by state and concession)

Where you stand

loan-to-value ratio

$0Loan required

0%Deposit as a share of price

$0Scheme price cap for your area

$0Extra needed to reach 20 percent

How to build a deposit on creator income

Assumptions. Lenders mortgage insurance is usually payable when the loan is above 80 percent of the property value and is not estimated here because premiums vary by lender and loan size. First Home Guarantee eligibility requires an eligible first home buyer, an owner-occupied purchase, a minimum 5 percent genuine deposit, a price within the cap for the location, and a participating lender; income caps and place limits were removed from 1 October 2025. Price caps shown are the published caps for capital cities and major regional centres versus the rest of each state and are subject to change; confirm the cap for a specific postcode with Housing Australia before contracting. Stamp duty and state first home buyer concessions are not calculated here.

Price caps used: NSW $1,500,000 / $800,000; VIC $950,000 / $650,000; QLD $1,000,000 / $700,000; WA $850,000 / $600,000; SA $900,000 / $500,000; TAS $700,000 / $550,000; ACT $1,000,000; NT $750,000 / $600,000 (capital and major regional centres / rest of state).