Your real borrowing power. Not a website guess.
Lenders differ by $100,000 or more on the same applicant. We verify your income and expenses the way a lender will, then model you against the policies of a broad panel of lenders to find your realistic range, before you start looking.
How much could you borrow?
is an indicative borrowing figure at today’s typical rates. Lenders typically count around 80% of rental income, which is why an investment purchase can lift your number, your real figure comes from a proper assessment.
How we help
Two things move borrowing power more than most people expect: a HECS or HELP debt, and how a lender counts overtime, allowances and bonuses. Both are checked here.
Charles looked after us really well and his knowledge gave us the confidence to purchase our property. He wasn’t pushy and always ensured we felt comfortable with the repayments.
Why lenders differ so much.
The same couple can be offered figures six figures apart, depending on the lender.
Each lender shades income and expenses its own way. We model many at once.
You leave with a range you can shop with, and the repayment it means each month.
Common questions
Does checking my borrowing power affect my credit score?
No, the assessment stage involves no credit check and no obligation. A credit check only happens later, if and when you apply with a lender.
How accurate is the number?
Far more reliable than an online calculator, because it’s built on verified documents and real lender policy, but it’s still a range, not an approval. The lender always makes the final decision.
How long does it take?
Usually a few days once your documents are in: we verify income and expenses, model you across the panel, and talk you through the result in plain English.
Start with a conversation.
Twenty minutes with Charles is usually enough to know the right path, and what it will cost.