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No. Every bank have different serviceablity calculators. The results can be wildly different. I think your best bet is to speak with a good mortgage broker.

Alex has said it well. I'd also add that to me, I determine 'you can afford' by doing the maths on a realistic 'worst case' scenario. For example, no growth for 5 years + loss of job for 3 months. If I can manage that then I proceed. Generally speaking first tier banks won't lend to...