Banks and Home Loan Lenders asses loans based on risk. What is the customer like? Are they going to repay the loan? Is their job stable?
The Loan to Value (LVR) Ratio also determines the interest rate offered by lenders.

You should however take into consideration that an online home loan calculator is to be used as a Guide Only and may not include all fees and charges. Every effort has been made to ensure the accuracy of the calculator, however use and results are at your own risk. Banks and vehicle financiers will base their final decision on the loan value ratio (LVR), clients credit file, the amount borrowed and the overall profile of the customer.