Borrowing power
Find your borrowing range with more confidence
Before you buy, refinance or invest, it helps to know what may be possible. My Home Loan Experts gives you a clearer view of your borrowing power based on your income, expenses, debts and lender policy, so you can plan your next move with confidence.
Who it is for
Who this is for
This service is for buyers, homeowners and investors who want clarity before making their next move.
First home buyers
Understand what you may be able to borrow before you start inspecting properties.
Refinancers
Check how lenders may assess your position before changing loans or accessing equity.
Property investors
Review your borrowing capacity before planning your next investment purchase.
Anyone seeking clarity
Get a clearer view of your options before making a time-sensitive property decision.
Borrowing calculator
Get an early estimate before speaking with a broker, then compare it with lender policy guidance.
Pre-approval planning
Use your assessment to decide whether to move toward pre-approval or improve your position first.
How we help
How we help
We assess your situation, compare lender policies and explain what may influence your borrowing range.
Assess your position
We review your income, expenses, debts, credit limits and overall financial position.
Compare lender policies
We compare how different lenders may view your scenario, because borrowing power can vary.
Explain the numbers
We walk you through what the result means, what may be realistic and what may need attention first.
Map out next steps
You receive practical guidance on whether to buy now, prepare for pre-approval or improve your position first.
How it works
How it works
A simple process designed to give you clarity without the guesswork.
1. Share your details
Tell us about your income, expenses, debts and what you want to achieve.
2. We compare options
We review lender policies and assess how different lenders may view your scenario.
3. Get clear guidance
We explain your likely borrowing range, what affects it and what to do next.
4. Move forward confidently
Choose your next step, whether that is pre-approval, refinancing or improving your position first.
Frequently asked questions
Frequently asked questions
Quick answers to common questions about borrowing power assessments.
What affects my borrowing power?
- Income and employment type
- Living expenses and dependants
- Existing debts and credit limits
- The type of loan you need
Why do lenders calculate borrowing power differently?
Each lender has its own servicing model, policy settings and risk appetite, so the result can vary even when your financial situation stays the same.
Can I improve my borrowing capacity?
- Reduce personal debts where possible
- Lower unused credit card limits
- Review spending habits
- Organise your documents early
Does a borrowing power assessment affect my credit score?
An initial assessment with us is usually a planning conversation and does not normally require a credit enquiry just to discuss your options.
What information do you need from me?
- Income details
- Living expenses
- Existing debts and credit limits
- Loan purpose and property plans
How do I get started?
Book a free consultation or use the borrowing calculator, and we can help you understand your position and the next step that makes the most sense.
Ready to understand what you can borrow and what to do next?
Book your free consultation for tailored guidance, or use the calculator to get an early indication before speaking with Charles.