27/08/2026
Ever wondered why one bank may lend you more than another?
It comes down to how each lender assesses your financial position. Banks may calculate your income, living expenses and existing debts differently, while applying their own policies to overtime, bonuses, self-employed income, credit card limits and other commitments.
For example, one lender may accept a higher percentage of your variable income, while another may apply a more conservative assessment. Even the way your expenses or credit limits are calculated can affect your borrowing capacity.
That’s why the same application can produce different borrowing results from one lender to the next.
Comparing lenders isn’t only about finding a competitive interest rate, it’s about identifying the lender whose policies best suit your circumstances and goals.
Want to understand how much you may be able to borrow?