[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/truthgroup.com.au\/2024\/10\/07\/how-much-can-i-borrow\/#BlogPosting","mainEntityOfPage":"https:\/\/truthgroup.com.au\/2024\/10\/07\/how-much-can-i-borrow\/","headline":"How Much Can I Borrow?","name":"How Much Can I Borrow?","description":"Ready to Buy a Home but Unsure How Much You Can Borrow? What's The Maximum Loan Amount Available To Me? Watch this video on YouTube. At Truth Group, we understand how important it is to know your borrowing capacity before stepping into the property market. Don\u2019t make the mistake of misjudging your readiness and applying \u2026 Read: How Much Can I Borrow?<\/a>","datePublished":"2024-10-07","dateModified":"2024-10-07","author":{"@type":"Person","@id":"https:\/\/truthgroup.com.au\/author\/nicholasparpistruthpropertycomau\/#Person","name":"Nicholas Parpis","url":"https:\/\/truthgroup.com.au\/author\/nicholasparpistruthpropertycomau\/","identifier":216551164,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f6058d552df68dbaf53120d13f9e89fc9834e3e1ba22039065b40df84bd9df29?s=96&d=identicon&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f6058d552df68dbaf53120d13f9e89fc9834e3e1ba22039065b40df84bd9df29?s=96&d=identicon&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Truth Group Pty Ltd","logo":{"@type":"ImageObject","@id":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2026\/02\/TRUTH-GROUP-2.png","url":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2026\/02\/TRUTH-GROUP-2.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/i0.wp.com\/i.ytimg.com\/vi\/UKekWh5YAnY\/0.jpg?resize=640%2C340&ssl=1","url":"https:\/\/i0.wp.com\/i.ytimg.com\/vi\/UKekWh5YAnY\/0.jpg?resize=640%2C340&ssl=1","height":"340","width":"640"},"url":"https:\/\/truthgroup.com.au\/2024\/10\/07\/how-much-can-i-borrow\/","video":[{"@context":"http:\/\/schema.org\/","@type":"VideoObject","@id":"https:\/\/www.youtube.com\/watch?v=UKekWh5YAnY#VideoObject","contentUrl":"https:\/\/www.youtube.com\/watch?v=UKekWh5YAnY","name":"What's The Maximum Loan Amount Available To Me?","description":"Ready to Buy a Home but Unsure How Much You Can Borrow?\nAt Truth Group, we understand how important it is to know your borrowing capacity before stepping into the property market. Don\u2019t make the mistake of misjudging your readiness and applying for a home loan, only to face the disappointment of rejection and affect your credit score. Speak to me today and be confident before you apply. Together, we can figure out how much you can borrow and compare loan products across more than 40 lenders to find the best option for you. Everyone\u2019s situation is different, so it\u2019s always best to consult a mortgage broker before making any big moves.\n\nAs both mortgage brokers and buyer\u2019s agents, we\u2019re here to not only secure the right loan. We can also help you find, shortlist, and purchase your ideal property whether its your next home or investment property.\n\nLet\u2019s find out how much you can borrow\u2014reach out today!\n\n\ud83c\udfe0 My Buyer's Agency and Mortgage Brokerage https:\/\/truthgroup.com.au\/ \n\n\ud83d\udce7 Email me \ud83d\udc49 hello@truthgroup.com.au\n\n\ud83d\udcfa MUST WATCH VIDEOS \ud83d\udc47\n\ud83d\udc49 Is my Bank Overcharging me https:\/\/www.youtube.com\/watch?v=T-rU6xsVGos\n\ud83d\udc49 Top Tips for First-Time Property Investors https:\/\/www.youtube.com\/watch?v=SR8KktpFZuY\n\ud83d\udc49How to Find a Home That Matches my Lifestyle and Long-Term Goals https:\/\/www.youtube.com\/watch?v=i9vp4OW4Ctg\n\n\nDiscovering the path to success in real estate \u2013 home buying, property investing, mortgage options and mortgage planning. This is more attainable than commonly perceived, provided you have the guidance of a knowledgeable mentor and an effective system in place. Explore your optimal options by clicking here\ud83d\udc49 https:\/\/www.truthgroup.com.au\n\nDisclaimer: No Legal, Taxation Advice\n\nThe Listener acknowledges and agrees to the following: \n- Any information we provide is for general informational purposes only and should not be considered personal advice. \n- We have not taken the Listener's personal or financial circumstances into account when sharing this information. \n- We do not provide, and have not provided, legal, financial, or taxation advice. \n- The Listener must independently verify the information provided by consulting with qualified professionals, such as legal, financial, or taxation advisors, as well as their accountant, before acting or relying on it. \n- The information may not be applicable or suitable for the Listener's specific 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Overcharging Me?","description":"A 30 Minute Online Mortgage Makeover Will Show You Exactly How Much Extra You Have Been Paying And How To Put That Money Back In Your Pocket. \nACCC tells mortgage borrowers to switch banks\nAn inquiry conducted by the Australian Competition & Consumer Commission (ACCC) found that Australia\u2019s five biggest banks are charging loyal home loan borrowers significantly higher interest rates than new customers.\n\nThe ANZ, Commonwealth Bank, Macquarie Bank, NAB , and Westpac charged existing borrowers an average of 32 basis points more than new borrowers.\n\nA discount of 32 basis points for a $375,000 mortgage, equates to a saving of $1,200 in interest during the first year, according to the ACCC.\n\nThis is just one of the findings from the interim report of the Residential Mortgage Price Inquiry, which is being conducted by the ACCC under instruction from the federal government.\n\nDownload the original ACCC reports by filling in form by clicking 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First-Time Property Investors","description":"Investing in property for the first time can be both exciting and daunting. It's a significant step toward building long-term wealth, but success requires careful planning and informed decisions. Whether you're looking to generate rental income, secure capital growth, or diversify your portfolio, these tips will help you start your property investment journey on the right foot.\n\ud83c\udfe0 My Buyer's Agency and Mortgage Brokerage https:\/\/truthgroup.com.au\/ \n\n\ud83d\udce7 Email me \ud83d\udc49 hello@truthgroup.com.au\n\n\ud83d\udcfa MUST WATCH VIDEOS \ud83d\udc47\n\ud83d\udc49 Is my Bank Overcharging me https:\/\/www.youtube.com\/watch?v=T-rU6xsVGos\n\ud83d\udc49 Top Tips for First-Time Property Investors https:\/\/www.youtube.com\/watch?v=SR8KktpFZuY\n\ud83d\udc49How to Find a Home That Matches my Lifestyle and Long-Term Goals https:\/\/www.youtube.com\/watch?v=i9vp4OW4Ctg\n\n\nDiscovering the path to success in real estate \u2013 home buying, property investing, mortgage options and mortgage planning. This is more attainable than commonly perceived, provided you have the guidance of a knowledgeable mentor and an effective system in place. Explore your optimal options by clicking here\ud83d\udc49 https:\/\/www.truthgroup.com.au\n\nDisclaimer: No Legal, Taxation Advice\n\nThe Listener acknowledges and agrees to the following: \n- Any information we provide is for general informational purposes only and should not be considered personal advice. \n- We have not taken the Listener's personal or financial circumstances into account when sharing this information. \n- We do not provide, and have not provided, legal, financial, or taxation advice. \n- The Listener must independently verify the information provided by consulting with qualified professionals, such as legal, financial, or taxation advisors, as well as their accountant, before acting or relying on it. \n- The information may not be applicable or suitable for the Listener's specific circumstances.\n\n#homebuying #dreamhome #investmentstrategy #mortgagebroker #realestate #mortgagebroker #dreamhome #buyersadvocate #buyersagentsydney #buyersagentaustralia\n\nFactor in all the costs associated with property ownership, such as:\n\u2022 Stamp duty.\n\u2022 Council rates\n\u2022 Insurance\n\u2022 Property management fees\n\u2022 Repairs and maintenance\n9. Seek Professional Advice\nFirst-time investors often benefit from professional guidance. Consider working with a buyers agent to help find the right property or a financial planner to ensure your strategy aligns with your overall financial goals.\n10. Diversify Your Portfolio\nOnce you've gained experience, look into diversifying your investments to spread risk. This could mean exploring different types of properties and locations.\n________________________________________\nReady to Start Your Investment Journey?\nAt Truth Group, we specialize in helping first-time investors navigate the property market with confidence. Whether you need assistance finding the right property, securing financing, or planning your investment strategy, we\u2019re here to help.\nReach out today to start building your property portfolio and setting yourself up for long-term success!\n\nhttps:\/\/truthgroup.com.au\/contact-truth-group-the-exclusive-buyers-agent-today\/","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/SR8KktpFZuY\/default.jpg","https:\/\/i.ytimg.com\/vi\/SR8KktpFZuY\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/SR8KktpFZuY\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/SR8KktpFZuY\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/SR8KktpFZuY\/maxresdefault.jpg"],"uploadDate":"2024-11-25T06:38:58+00:00","duration":"PT3M9S","embedUrl":"https:\/\/www.youtube.com\/embed\/SR8KktpFZuY","publisher":{"@type":"Organization","@id":"https:\/\/www.youtube.com\/channel\/UCl_CSrwS5ltS8cuq5VYEvxg#Organization","url":"https:\/\/www.youtube.com\/channel\/UCl_CSrwS5ltS8cuq5VYEvxg","name":"Truth Group Pty Ltd","description":"Truth Group is a Sydney Buyers Agent and Mortgage Broker helping home buyers, first home buyers and property investors make smarter property decisions.\n\nI\u2019m Niko, a licensed Buyers Agent based in Sydney, helping clients find the right property, negotiate confidently and structure their finance correctly.\n\nOn this channel you\u2019ll discover:\n\n\ud83c\udfe1 Sydney Buyers Agent advice\n\u2022 What properties are really worth\n\u2022 Sydney suburb comparisons\n\u2022 Auction and negotiation strategies\n\u2022 First home buyer tips\n\u2022 Property buying mistakes to avoid\n\n\ud83d\udcb0 Mortgage & Finance Guidance\n\u2022 Home loans and refinancing\n\u2022 Borrowing power strategies\n\u2022 Preparing to buy property\n\u2022 Understanding lender requirements\n\nWe help clients with:\n\u2705 Established homes\n\u2705 House & land packages\n\u2705 Investment properties\n\u2705 Residential & commercial property\n\u2705 Home loan solutions\n\nServing Sydney and Australia-wide.\n\n\ud83d\udccd Hoxton Park, Sydney\n\ud83c\udf10 truthgroup.com.au\n\nSubscribe for weekly Sydney property insights, buyer strategies and finance tips.\n","logo":{"url":"https:\/\/yt3.ggpht.com\/6cfbKmHc32AQQ7Jvy8Uk8-gTgkKgXKQ-ntmPlJQwqFyRcDmR-1UVKvPvSqhmucy6vnM6a5UNSz4=s800-c-k-c0x00ffffff-no-rj","width":800,"height":800,"@type":"ImageObject","@id":"https:\/\/www.youtube.com\/watch?v=SR8KktpFZuY#VideoObject_publisher_logo_ImageObject"}},"potentialAction":{"@type":"SeekToAction","@id":"https:\/\/www.youtube.com\/watch?v=SR8KktpFZuY#VideoObject_potentialAction","target":"https:\/\/www.youtube.com\/watch?v=SR8KktpFZuY&t={seek_to_second_number}","startOffset-input":"required name=seek_to_second_number"},"interactionStatistic":[[{"@type":"InteractionCounter","@id":"https:\/\/www.youtube.com\/watch?v=SR8KktpFZuY#VideoObject_interactionStatistic_WatchAction","interactionType":{"@type":"WatchAction"},"userInteractionCount":2}]]},{"@context":"http:\/\/schema.org\/","@type":"VideoObject","@id":"https:\/\/www.youtube.com\/watch?v=i9vp4OW4Ctg#VideoObject","contentUrl":"https:\/\/www.youtube.com\/watch?v=i9vp4OW4Ctg","name":"Discover The Perfect Home For Your Lifestyle And Future Goals","description":"Buying a home is one of the most exciting and significant decisions you\u2019ll make in your life. But let\u2019s face it\u2014it\u2019s not just about finding any house. It\u2019s about finding the right home\u2014one that fits your lifestyle today and aligns with your future goals.\n________________________________________\nStep 1: Know What You Want\n________________________________________\nStep 2: Think About the Future\n________________________________________\nStep 3: Research the Market\n________________________________________\nStep 4: Understand Your Finances\n________________________________________\nStep 5: Avoid Overwhelm\n________________________________________\nHow I, at Truth Group, Can Help\nThis is where I step in. As a buyers agent and mortgage broker, my role is to make your home-buying journey easier and more successful. I understand the pain points many buyers face, and I\u2019ve tailored my services to solve them:\n1. Finding the Right Property: I\u2019ll help you identify homes that suit your lifestyle and goals, saving you time and stress.\n2. Research and Negotiation: From analyzing market trends to negotiating a fair price, I\u2019ll ensure you get the best deal.\n3. Navigating Finances: I\u2019ll guide you through the financing process, helping you secure a loan that fits your needs.\n4. End-to-End Support: From shortlisting properties to handling contracts, I\u2019ll be by your side, making sure nothing is overlooked.\nAt Truth Group, I believe finding your dream home should be exciting, not stressful. My job is to simplify the process, so you can focus on what matters\u2014finding a place where you can thrive today and in the future.\nIf you\u2019re ready to make your home-buying journey seamless and stress-free, let\u2019s talk. Reach out to me today, and let\u2019s make your dream home a reality.\n\nhttps:\/\/truthgroup.com.au\/contact-truth-group-the-exclusive-buyers-agent-today\/\n\n\ud83c\udfe0 My Buyer's Agency and Mortgage Brokerage https:\/\/truthgroup.com.au\/ \n\n\ud83d\udce7 Email me \ud83d\udc49 hello@truthgroup.com.au\n\n\ud83d\udcfa MUST WATCH VIDEOS \ud83d\udc47\n\ud83d\udc49 Is my Bank Overcharging me https:\/\/www.youtube.com\/watch?v=T-rU6xsVGos\n\ud83d\udc49 Top Tips for First-Time Property Investors https:\/\/www.youtube.com\/watch?v=SR8KktpFZuY\n\ud83d\udc49How to Find a Home That Matches my Lifestyle and Long-Term Goals https:\/\/www.youtube.com\/watch?v=i9vp4OW4Ctg\n\n\nDiscovering the path to success in real estate \u2013 home buying, property investing, mortgage options and mortgage planning. This is more attainable than commonly perceived, provided you have the guidance of a knowledgeable mentor and an effective system in place. 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Watch this video on YouTube.At Truth Group, we understand how important it is to know your borrowing capacity before stepping into the property market. Don\u2019t make the mistake of misjudging your readiness and applying for a home loan, only to face the disappointment of rejection and affect your credit score. Speak to me today and be confident before you apply. Together, we can figure out how much you can borrow and compare loan products across more than 40 lenders to find the best option for you. Everyone\u2019s situation is different, so it’s always best to consult a mortgage broker before making any big moves.As both mortgage brokers and buyer\u2019s agents, we’re here to not only secure the right loan. 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