How does EBS calculate how much I can borrow?

How much you can borrow really depends on how much you can comfortable 
afford in monthly repayment for the life of your mortgage, which may be up 
to 35 years for owner occupiers, depending on your age.

When assessing home much you can borrow, we look at the detail of your
overall financial situation – including income, outgoing, savings and other
loan repayments. Then we calculate the monthly mortgage amount that 
you can afford to repay.