09/08/2026
🏡 AB's Home Loan Insights
Episode 2 – "Why did another bank offer my friend a higher borrowing limit?"
It's one of the questions I get asked the most.
Many people assume every bank calculates borrowing capacity the same way—but they don't.
Different lenders assess income, expenses, debts and lending policies differently. That's why two borrowers with very similar financial situations can receive very different borrowing limits.
As a lending professional, my job isn't to find a lender.
It's to compare lenders and identify the one that best fits your financial circumstances and goals.
If one bank says "No" or offers less than expected, don't assume that's the end of the road. Another lender may assess your situation differently and provide a better outcome.
Every lender has a different approach—and sometimes, the right strategy makes all the difference.
