Hi everyone, First time poster so go easy We are thinking of making a major move but I really need to find a true indication of our borrowing capacity. The online calculators vary so much. We will go from 2 incomes to 1 income of income of $76,000 gross pa. My partner will not be working for a while. We are a couple with 2 dependants. We would have a 20% deposit. We would be buying a block of land to build (we would have the cash from the sale of our current PPOR to build) No other loans or debts. The block we buy would be determined by how much we could borrow. Thanks heaps.