13/08/2025
💡 How Borrowing Capacity Works
Your borrowing capacity is how much a lender is willing to let you borrow — and it’s based on a mix of factors, including:
✅ Income – salary, overtime, business income, investments
✅ Expenses & Liabilities – living costs, debts, subscriptions (yes, even Netflix counts!)
✅ Credit history – your repayment track record
✅ Interest rates – higher rates = lower capacity
✅ Loan term – the repayment period you choose
🔍 Lenders look at your ability to meet repayments comfortably, even if interest rates rise.
💬 Tip: Getting a professional assessment from your Humble Broker can save time, avoid surprises, and sometimes increase your borrowing power.
📈 Know your numbers before you start house hunting!
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