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Maximum Borrowing

Suitable options for your client, side by side.

Enter your client's details once. Maximum Borrowing runs them through 76 lender serviceability calculators, so you can see which options suit the client's goals and keep the record your Best Interests Duty asks for.

Start free trialSee the lenders

Unlimited on every plan until 28 February 2027.

Maximum Borrowing, side by sideIllustrative
LenderBorrowing powerLoan of $1,150,000
Lender A$1,284,000Suits
Lender B$1,251,000Suits
Lender C$1,196,000Suits
Lender D$1,142,000Short $8,000
Lender E$1,067,000Short $83,000

Illustrative scenario: two applicants, PAYG, $210,000 combined, one dependant, $1,150,000 loan. Estimates are a guide; confirm with the lender.

Unlimited Maximum Borrowing until 28 February 2027.

On every plan and every trial, and it keeps going after your 21-day trial ends. Run as many scenarios as you like, across 76 lender calculators.

Start free trial

From 1 March 2027, Maximum Borrowing is a paid add-on to your plan.

What's included

Everything a serviceability call needs

Eight tools inside Maximum Borrowing, all unlimited until 28 February 2027.

YTD income calculator

Year-to-date pay annualised for you, with the frequency set to annual so the figure means what it says.

80% LVR Rate Lock

Price the rate tier, not the guess.

Rate change slider

See what a rate move does to borrowing power, live.

Pre-filled lender calc sheet

The lender's own calculator, filled in from your client's details.

Land Tax Estimator

Land tax on investment properties, worked out.

Family Guarantor lender filter

Only the lenders that accept a family guarantee.

Credit card repayment calculator

The repayment on every card limit, calculated.

Downloadable report

Your lender calc results as a PDF report to keep on file.

Lender calculators

The lenders in Maximum Borrowing

Search for a lender to check its calculator is in. Product lines sit under their lender.

76lender calculators
42product lines
Big 4major banks included
A
  • AFG
    AlignAlphaBrightLinkOptionsRetro
  • Allium Money by Brighten
  • Allstate
    CabernetNavyOceanPurpleRed
  • AMP
  • ANZ
  • Astute
  • Australian Financial
    PinnacleSky Blue
  • Auswide Bank
  • Axis Premium
B
  • Bank Australia
  • Bank of China
  • Bank of Melbourne
  • Bank of Queensland
  • Bank of Sydney
  • Bank of Us
  • Bank SA
  • BankVic
  • Bankwest
  • BCU Bank
  • Bendigo
  • Beyond Bank
  • BlackStreet
  • Bluebay
    FlexiOptions
  • Bluestone
  • BMM
    BoldEdgeLeoPremium
  • Brighten
  • BrightStreet
C
  • Collective Lending
  • Commonwealth Bank
F
  • Firefighters Mutual
  • Firstmac
G
  • Gateway
  • Go Beyond
  • Granite
  • Great Southern Bank
H
  • Health Professionals
  • Heritage
  • HSBC
I
  • Infinity
  • ING
L
  • La Trobe
  • LaStreet
  • Liberty
M
  • MA Money
  • Macquarie
  • Macstreet
  • ME Bank
  • MEZY
    CapitalizerFlexiSpecialist
  • Mortgage House Chameleon
    EssentialFlexPlusPrime
  • Mortgage Street
    LiberalOptimaxPremiumProgressiveReceptiveSuper PrimeTolerantUltra Prime
  • Move Bank
  • My State
  • MyBudget Loans
N
  • NAB
O
  • ORDE
  • Origin MMS
P
  • P&N Bank
  • Pepper
Q
  • QBank
  • Qudos
  • Queensland Country Bank
R
  • Rate Money
    ElevateEssentialEvolve ExtraEvolveExploreHot
  • Reduce
  • RedZed
  • RESI Essentials
  • Resimac
  • Riyadh
    Crescent FSFS Star
S
  • St George
  • Suncorp
T
  • Teachers Mutual
  • Thinktank
U
  • :ubank
  • Unibank
W
  • Westpac Bank
  • WLTH
Y
  • YBR Essentials
After your trial

Your trial ends. Maximum Borrowing doesn't.

Your 21-day trial unlocks the whole platform. When it ends, Charli, Alex and the rest of Cynario pause until you choose a plan.

Maximum Borrowing stays on, unlimited, for every user in your office until 28 February 2027.

  • No card to start the trial
  • Saved calculations stay with your account
  • Choose a plan any time to bring everything else back
Maximum Borrowing, by account
Your accountMaximum Borrowing
21-day trialUnlimited
Trial ended, no plan yetUnlimited
Any paid planUnlimited
From 1 March 2027Paid add-on

Until 28 February 2027 there is no limit on scenarios.

Questions brokers ask

Is it really unlimited?

Yes. Until 28 February 2027 there is no cap on how many scenarios you run, on any plan or trial.

What happens when my trial ends?

Charli, Alex and the rest of Cynario pause until you choose a plan. Maximum Borrowing keeps working, unlimited, for every user in your office until 28 February 2027.

What happens after 28 February 2027?

Maximum Borrowing becomes a paid add-on to your plan. Your saved calculations are kept.

Are the calcs accurate?

Maximum Borrowing is a guide, not a credit decision. Randomised independent testing against the lenders' own calculators averages 97%+ accuracy. Lenders update their calculators from time to time, so confirm the figure with the lender before you submit.

Find the options that suit your next client.

Start free trial See pricing

21-day free trial. No card. Maximum Borrowing unlimited until 28 February 2027.