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.
Who this guide helps
- Borrowers checking how much they may be able to borrow before making offers
- Clients who need a clearer view of lender servicing rules and debt impact
- Anyone comparing scenarios before a home loan, refinance, or business lending discussion
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
Relevant services
Home Loans
Clear lender options, borrowing strategy, and support from pre-approval through to settlement.
Refinance
We review your current loan and map alternatives that align with your short and long-term goals.
Business Loans
Finance strategy shaped to business cash flow, security profile, and decision timelines.
Areas we support
Finity Finance works with borrowers across Melbourne South East, including key service areas below.
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.