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Buying your first home? We’re here to help.

Visit our first home buyers hub for handy tools & guides, planning resources and simple explanations of the buying process and finding the right home loan.

Learn more to get you closer to your first home today

Want to know more about borrowing power?

  • What does the calculator show me?

    Our borrowing calculator can help you estimate the maximum amount of money that could be borrowed from the bank to purchase a property based on your income and expenses. Repayment calculations shown are based on principal and interest loan repayments. 

    The calculator provides an estimate only and is based on the information you enter and a range of assumptions (see Important Information). The actual amount available for borrowing will be determined by the lender and applications are subject to credit approval.

  • How much can I really borrow?

    There are a number of factors you should consider when figuring out what you can borrow. Your borrowing capacity will be based on your income and expenses and these numbers can help you narrow down your home search. This helpful guide from BOQ breaks down what you need to consider when borrowing – like your loan-to-value ratio, your prospective monthly payments and credit score.

  • How can I increase my borrowing power?

    Some ways which could help increase your borrowing power include:

    • Reduce your credit card limits
    • Pay down debts e.g. personal loans
    • Increase your savings and reduce your living expenses
    • Maintain a good credit score

    Our handy budget planner can help you work out exactly how you spend your money and how you could save.

  • Where can I start with property research?

    BOQ can put detailed property and suburb reports at your fingertips in minutes. Request a free report including property information or suburb facts and receive your insights today.

    You can request a maximum of 5 property reports per month and 10 suburb reports in total. If you need additional reports to support your property search, please visit your local BOQ branch. Our experienced home lenders will be happy to talk to you about how we can help you achieve your home buying goals and provide you with further Property and Suburb reports free of charge.