Mortgage & Lending
Calculators & Simulators
Free, private tools that show how Australian lenders actually assess your numbers — income shading, serviceability buffers, and specialist policy treatment — before you apply. General information only; no credit check.
Doctor's Overtime Income Calculator
See how much of a doctor’s overtime and variable income lenders count — standard policy (~80%) vs eligible specialist medical policy.
Negative Gearing Serviceability Split Calculator
See how the proposed 1 July 2027 negative gearing changes could affect investment-property serviceability and cash flow.
SMSF Liquidity Buffer Calculator
Estimate the post-settlement cash reserve required by lenders for SMSF property purchases under Limited Recourse Borrowing Arrangements.
Trust Distribution Serviceability Estimator
See how distributing income via a family trust to family members affects your credit assessment and home borrowing capacity.
Expat Foreign Income Shading Estimator
See how Australian lenders typically shade foreign income when assessing your borrowing capacity.
HEM Living Expenses Floor Diagnostic
Find where the lender's benchmark floor sits for your household. See how lenders compare your declared budget against Household Expenditure Measure (HEM) minimums.
Credit Card Limit Capacity Simulator
See how much borrowing capacity is tied up by your credit card limits — even with a $0 balance. Lenders assess your limit, not what you owe.
Income Shading & APRA Stress-Test Simulator
See how underwriters shade your income and apply the 3% APRA serviceability buffer to estimate indicative borrowing capacity.
Why these tools exist
Standard front-end calculators rarely show how institutions actually assess risk. These simulators target the constraints that quietly move borrowing power — income shading, the APRA serviceability buffer, and specialist policy treatment for professions like medicine. Each tool covers one part of the picture; your real outcome depends on all five assessment pillars working together. To see how your whole position fits, run the full diagnostic at Structur.
Estimates only — not a quote, credit assessment, or personal advice. General information only; Model Mortgages Pty Ltd, Australian Credit Licence 387460.