See what you're ABLE to afford – not just what you can borrow.
ABLE Index™ introduces a new affordability framework that looks beyond traditional mortgage calculators by combining the four factors that shape everyday living costs: Affordability, Budget, Location, and Environment. The result is a clearer, more realistic picture of whether a lifestyle — not just a mortgage — is truly sustainable.
Affordability & Budget
Location & Environment
Crime-adjusted scoring
How ABLE Index works
We look at your real monthly income, core outgoings, estimated travel costs and both crime and local environment data for your chosen area. From this we calculate:
- Travel estimate based on popular commuter routes
- Fixed cost share of income including rent or mortgage, bills and childcare
- Monthly amount left after core costs
- Local area snapshot showing crime rate and a simple guide to nearby schools, plus a quick link to explore the area on Google Maps
- ABLE rating that compares how much you actually have left each month with how much you would like to have left, shown as: Excellent, Good, Average or Stretched