Hey crew, I should say at the outset that I'm not planning on buying a house until July next year, so I don't want to do the face to face with mortgage brokers as I'd only be wasting their time. At the moment I'm in a planning stage and am putting numbers together. But in order to make the spreadsheet meaningful I need to know how much money I can borrow. Is there a formula I can use or a spreadsheet I can punch numbers into? Otherwise I'm happy to throw say what my salary etc is and for you guys to estimate, I don't really care. It's for an investment property. Thanks, Glebe.