RBA Cash Rate: 4.10% · 1AUD = 0.64 USD · Inflation: 2.4%  

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Home Loan Variable: 5.78% (5.82%*) • Home Loan Fixed: 4.99% (5.77%*) • Fixed: 4.99% (5.77%*) • Variable: 5.78% (5.82%*) • Investment IO: 5.34% (5.97%*) • Investment PI: 5.24% (5.94%*)
Debt-to-Income Calculator (DTI)

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Debt to Income (DTI) Ratio:   
  Current Monthly Income Before Tax  
This is the your pre-text combined income. Consider all income types, such as PAYG, self-employed, and other income.
  Current Monthly Debt  
This is the aggregated sum of all debt, and will include existing mortgages, credit cards, personal loans, portfolio loans, text debt, afterpay and similar, leases and higher purcahses, HECS and HELP debt, trade support loans, trust liabilities, and other outgoing obligations.
Download our 40-page First Home Buyer Guide. The book includes a large amount of information that will guide you during the buying process, and it provides you with information on your various finance options. 
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Home Loan Variable: 5.78% (5.82%*) • Home Loan Fixed: 4.99% (5.77%*) • Fixed: 4.99% (5.77%*) • Variable: 5.78% (5.82%*) • Investment IO: 5.34% (5.97%*) • Investment PI: 5.24% (5.94%*)
Head Office in Brisbane
SYDNEY | MELBOURNE | BRISBANE | ADELAIDE

AeFin. ACL 384704. ABN: 51 152 273 464. Email: info@aefin.au. Phone: 0458 341 021. The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice.

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