Borrowing Capacity Guide
Understand what lenders assess and what improves borrowing power before you apply.
Guide
Practical steps in plain English.
Use this as a preparation checklist before speaking with your broker or lender.
What lenders assess
- Total household income and consistency of earnings
- Living expenses and dependants
- Existing debts and credit limits
- Employment type and tenure
How to improve borrowing power
- Reduce unused credit card limits before applying
- Consolidate high-cost debts where appropriate
- Maintain clean transaction account conduct
- Prepare complete income evidence up front
Common mistakes to avoid
- Applying with multiple lenders at once
- Large unexplained spending right before assessment
- Changing jobs mid-application without planning
- Relying only on online calculators without lender policy context
Need tailored advice?
Turn this guide into a personal lending plan.
If you want this applied to your own numbers and timeline, reach out directly for a clear next-step strategy.