Borrowing power → suburb shortlist

Most calculators stop at “you can borrow $X.” This one keeps going: we plug that price ceiling into our AI suburb shortlist and return the Australian postcodes you can actually afford that the framework also likes. Honest about what we don't have.

How the borrowing power figure works: Single-applicant rough cut at 5.5× gross income + your deposit, stress-tested at +3% over a 6% indicative rate (APRA-style buffer). No dependents, no existing debts. Real serviceability depends on HEM, dependents, existing debts and lender policy — talk to a licensed broker before making an offer.

How the suburb shortlist works: The framework ranks every AU postcode with sales coverage on 22 factors (yield, growth, days-on-market, vacancy, renter share, etc.) and surfaces the top picks within your price ceiling. We don't fabricate scores for postcodes we can't cover — those just don't appear.

India and Dubai recommenders are coming next. Want it for India or Dubai today? Open the regional landing pages.