Methodology · AU-HOME-022
Affordability Estimate
An indicative borrowing range from your income, expenses and commitments under generic assumptions with an editable rate buffer. Not pre-approval.
Engines and formulas
- E10 · Affordability estimate (lite)
Monthly surplus after an editable expense floor, converted to an indicative range via the §13.5 payment formula at your rate plus an editable buffer. A range, never an approval.
Registered formulas: §13.5 payment
Verification
Engines carry boundary tests at every bracket edge, property-based tests, reconciliation invariants and, where official worked examples exist, tests that reproduce them exactly. The full source register is on the sources page.