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On a $180,000 gross salary with minimal debts and average expenses, your estimated borrowing power is approximately $890,000–$1,070,000. At this income level, you can access premium properties in all Australian capital cities.
Use our Borrowing Power Calculator for a personalised estimate based on your income, debts, and expenses.
Yes, with a clean credit profile and minimal debts. Most lenders will approve $950K–$1.07M for a single applicant on $180K. Having dependants or a car loan may reduce this to $890K–$950K.
With strong borrowing power, you could consider both. Many people on $180K buy a home first, then leverage equity for an investment property within 2–3 years. Your high marginal tax rate (37–45%) makes negative gearing on investment property particularly tax-effective.
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