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Orbit Finance
ENBM
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App guides · What can I afford?

How to find a property price you can afford

This module works backwards from your income and existing loans to find a property price you can afford. It converts your remaining monthly instalment into a maximum loan, then into a property price. It also runs a full purchase-cost calculation to test if you have enough upfront cash for the deposit and transaction costs.

Checked against Orbit Finance · 6 November 2026

What is this module for?

The tool checks two constraints. First, it ensures the monthly instalment fits within your income and debt commitments. Second, it checks if you have enough cash for the deposit and transaction costs. A price may fit the monthly instalment but still fail the cash test. Book figures are useful defaults, but you should replace them if the lender uses different income rules or CCRIS commitments.

How do I find a price that passes both tests?

  1. Review the monthly income and debt commitments read from your books. Replace either figure if the lender assesses it differently, then set the lender's DSR cap, rate, tenure and financing margin.
  2. Choose the buyer details, state and transaction date, then review the maximum property price, loan and new instalment.
  3. Read Cash needed including deposit and the cash comparison. A shortfall means the instalment fits but the purchase is not yet funded.

What does DSR headroom mean?

DSR headroom is the monthly debt payment still available before total commitments reach the chosen debt-service-ratio cap. DSR is the debt service ratio, the share of income going to loan repayments. The maximum loan is the amount the available instalment can repay in full at the entered rate and tenure. The cash test is a separate check that available cash covers the deposit plus legal, tax, duty and registration costs.

What common mistakes should I avoid?

Do not treat the app's DSR cap as a bank promise, as banks set their own caps and assess income differently. Do not ignore the cash result just because the monthly instalment fits. Do not use business revenue as personal take-home income without checking the lender's method. Do not leave old loan commitments out, as lenders may still count them until records update.

What this does to your books

This screen only reads averages and balances. It posts no debit or credit and saves none of your scenarios. A real purchase is recorded only after documents and money actually move.
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Questions, answered

Does the What can I afford tool post to my accounts?

No, this screen only reads averages and balances. It posts no debit or credit and saves none of your scenarios. A real purchase is recorded only after documents and money actually move.

Why does the app show a shortfall if my instalment fits?

A shortfall means the instalment fits but the purchase is not yet funded. The cash test checks if available cash covers the deposit plus legal, tax, duty and registration costs. You must pass both the monthly instalment test and the cash test.

Can I use business revenue for the income figure?

You should not use business revenue as though it were personal take-home income without checking the lender's method. Book figures are useful defaults, but you should replace them if the lender uses different income rules or CCRIS commitments.