Find Out Your Borrowing Capacity
Knowing how much you can borrow is the first step in planning your property journey — and it helps you shop with confidence.
Understand Your Borrowing Power
Your borrowing capacity depends on several factors — income, living expenses, existing debts, credit history, and each lender’s policy. I calculate your true borrowing power across multiple lenders so you have a clear picture of what is possible whether you are buying your first home, upgrading, or investing.
This is a free service. Fill out the form below and I will email you results along with targeted tips to increase capacity where possible.
What lenders look at
- Income — salaries, allowances, rental income, and how consistent it is.
- Living expenses — verified from recent statements and budget categories.
- Debts — credit cards (limits matter), personal/car loans, HECS/HELP.
- Buffers & assessment rate — lenders test your loan at a higher “stress rate.”
- Policy differences — overtime, bonuses, and rental shading vary by lender.
My practical tips to improve capacity
- Reduce or close unused credit card limits before applying — lenders use the limit, not your balance.
- Clean up discretionary spending for the last 3 months — Some lenders may request to be verified from expense statements.
- Consolidate small personal debts if the numbers stack up (rate/fees dependent).
I will tailor these tips based on your situation when I send your results.
Free Borrowing Capacity Assessment
Complete the secure form below and I will email you a detailed estimate with options and tips. No obligation.