[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/truthgroup.com.au\/2025\/11\/15\/understanding-borrowing-power-what-lenders-really-look-for\/#BlogPosting","mainEntityOfPage":"https:\/\/truthgroup.com.au\/2025\/11\/15\/understanding-borrowing-power-what-lenders-really-look-for\/","headline":"Understanding Borrowing Power: What Lenders Really Look For","name":"Understanding Borrowing Power: What Lenders Really Look For","description":"How to understanding borrowing power: What Lenders Really Look For Watch this video on YouTube. When it comes to getting a home loan, one of the first questions everyone asks is: \u201cHow much can I borrow?\u201d The truth is, borrowing power isn\u2019t just about how much you can contribute upfront. Lenders want to see that \u2026 <a class=\"read-more\" href=\"https:\/\/truthgroup.com.au\/2025\/11\/15\/understanding-borrowing-power-what-lenders-really-look-for\/\" aria-label=\"Read more about Understanding Borrowing Power: What Lenders Really Look For\">Read: Understanding Borrowing Power: What Lenders Really Look For<\/a>","datePublished":"2025-11-15","dateModified":"2025-11-15","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\/truthgroup.com.au\/wp-content\/uploads\/2025\/11\/image-3.png?fit=1024%2C768&ssl=1","url":"https:\/\/i0.wp.com\/truthgroup.com.au\/wp-content\/uploads\/2025\/11\/image-3.png?fit=1024%2C768&ssl=1","height":768,"width":1024},"url":"https:\/\/truthgroup.com.au\/2025\/11\/15\/understanding-borrowing-power-what-lenders-really-look-for\/","video":{"@context":"http:\/\/schema.org\/","@type":"VideoObject","@id":"https:\/\/www.youtube.com\/watch?v=a3JZx8iZ8fQ#VideoObject","contentUrl":"https:\/\/www.youtube.com\/watch?v=a3JZx8iZ8fQ","name":"How to understanding borrowing power: What Lenders Really Look For","description":"Are you wondering how much you can borrow for a home loan? Understanding your borrowing power is more than just knowing how much you can put down as a deposit. Lenders want to see that you can repay the loan comfortably over time, and different lenders have different policies depending on your income, employment type, credit score, and assets.\n\nIn this video, Nicholas from Truth Group explains:\n\nWhat lenders really look for when assessing your borrowing power\n\nHow self-employed applicants or those with lower credit scores can find suitable lenders\n\nWhy your ability to repay is just as important as your deposit\n\nTips to plan your property journey strategically\n\n\ud83d\udca1 Pro Tip: Use our Home Loan Calculator\n to get an estimate of what you could borrow and start planning your property search with confidence. \nhttps:\/\/truthgroup.com.au\/2024\/10\/07\/home-loan-calculator\/\n\nWhether you\u2019re a first-home buyer, investor, or self-employed, understanding borrowing power is key to getting approved for the right loan.\n\n\u2705 Don\u2019t forget to like, subscribe, and hit the notification bell for more tips on property, home loans, and smart mortgage planning!\n\u2705 Visit Truth Group https:\/\/truthgroup.com.au\/\n for tailored mortgage advice and property solutions.\n\n#borrowingpower  #homeloans2025   #mortgagetips  #selfemployedloans  #propertyinvestingaustralia  #HomeLoanCalculator #mortgageplanning  #TruthGroup #financetips  #loanapprovaltips","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/a3JZx8iZ8fQ\/default.jpg","https:\/\/i.ytimg.com\/vi\/a3JZx8iZ8fQ\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/a3JZx8iZ8fQ\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/a3JZx8iZ8fQ\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/a3JZx8iZ8fQ\/maxresdefault.jpg"],"uploadDate":"2025-11-15T01:11:12+00:00","duration":"PT3M8S","embedUrl":"https:\/\/www.youtube.com\/embed\/a3JZx8iZ8fQ","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=a3JZx8iZ8fQ#VideoObject_publisher_logo_ImageObject"}},"potentialAction":{"@type":"SeekToAction","@id":"https:\/\/www.youtube.com\/watch?v=a3JZx8iZ8fQ#VideoObject_potentialAction","target":"https:\/\/www.youtube.com\/watch?v=a3JZx8iZ8fQ&t={seek_to_second_number}","startOffset-input":"required name=seek_to_second_number"}},"about":["Latest Post"],"wordCount":469,"articleBody":".wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_0, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_0[data-kb-block=\"kb-adv-heading38558_c1a417-e1_0\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_0 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_0[data-kb-block=\"kb-adv-heading38558_c1a417-e1_0\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_0 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_0[data-kb-block=\"kb-adv-heading38558_c1a417-e1_0\"] img.kb-inline-image{width:150px;vertical-align:baseline;}How to understanding borrowing power: What Lenders Really Look For Watch this video on YouTube..wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_1, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_1[data-kb-block=\"kb-adv-heading38558_c1a417-e1_1\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_1 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_1[data-kb-block=\"kb-adv-heading38558_c1a417-e1_1\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_1 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_1[data-kb-block=\"kb-adv-heading38558_c1a417-e1_1\"] img.kb-inline-image{width:150px;vertical-align:baseline;}When it comes to getting a home loan, one of the first questions everyone asks is: \u201cHow much can I borrow?\u201d.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_2, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_2[data-kb-block=\"kb-adv-heading38558_c1a417-e1_2\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_2 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_2[data-kb-block=\"kb-adv-heading38558_c1a417-e1_2\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_2 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_2[data-kb-block=\"kb-adv-heading38558_c1a417-e1_2\"] img.kb-inline-image{width:150px;vertical-align:baseline;}The truth is, borrowing power isn\u2019t just about how much you can contribute upfront. Lenders want to see that you can comfortably repay the loan over time, based on your financial situation..wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_3, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_3[data-kb-block=\"kb-adv-heading38558_c1a417-e1_3\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_3 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_3[data-kb-block=\"kb-adv-heading38558_c1a417-e1_3\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_3 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_3[data-kb-block=\"kb-adv-heading38558_c1a417-e1_3\"] img.kb-inline-image{width:150px;vertical-align:baseline;}What Affects Your Borrowing Power?.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_4, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_4[data-kb-block=\"kb-adv-heading38558_c1a417-e1_4\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_4[data-kb-block=\"kb-adv-heading38558_c1a417-e1_4\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_4[data-kb-block=\"kb-adv-heading38558_c1a417-e1_4\"] img.kb-inline-image{width:150px;vertical-align:baseline;} Lenders consider a variety of factors when assessing your application:.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_5, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_5[data-kb-block=\"kb-adv-heading38558_c1a417-e1_5\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_5[data-kb-block=\"kb-adv-heading38558_c1a417-e1_5\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_5 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_5[data-kb-block=\"kb-adv-heading38558_c1a417-e1_5\"] img.kb-inline-image{width:150px;vertical-align:baseline;} Income &amp; Employment Type.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_6, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_6[data-kb-block=\"kb-adv-heading38558_c1a417-e1_6\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_6 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_6[data-kb-block=\"kb-adv-heading38558_c1a417-e1_6\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_6 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_6[data-kb-block=\"kb-adv-heading38558_c1a417-e1_6\"] img.kb-inline-image{width:150px;vertical-align:baseline;} &#8211; Salaried employees, contractors, and self-employed applicants are assessed differently..wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_7, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_7[data-kb-block=\"kb-adv-heading38558_c1a417-e1_7\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_7[data-kb-block=\"kb-adv-heading38558_c1a417-e1_7\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_7 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_7[data-kb-block=\"kb-adv-heading38558_c1a417-e1_7\"] img.kb-inline-image{width:150px;vertical-align:baseline;} &#8211; Some lenders are more flexible for self-employed clients who have fluctuating income..wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_8, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_8[data-kb-block=\"kb-adv-heading38558_c1a417-e1_8\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_8 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_8[data-kb-block=\"kb-adv-heading38558_c1a417-e1_8\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_8 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_8[data-kb-block=\"kb-adv-heading38558_c1a417-e1_8\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Expenses &#038; Existing Debts.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_9, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_9[data-kb-block=\"kb-adv-heading38558_c1a417-e1_9\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_9[data-kb-block=\"kb-adv-heading38558_c1a417-e1_9\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_9[data-kb-block=\"kb-adv-heading38558_c1a417-e1_9\"] img.kb-inline-image{width:150px;vertical-align:baseline;} &#8211; Lenders calculate your living expenses, other loans, and credit commitments to ensure you can make repayments..wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_10, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_10[data-kb-block=\"kb-adv-heading38558_c1a417-e1_10\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_10 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_10[data-kb-block=\"kb-adv-heading38558_c1a417-e1_10\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_10 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_10[data-kb-block=\"kb-adv-heading38558_c1a417-e1_10\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Credit History.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_11, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_11[data-kb-block=\"kb-adv-heading38558_c1a417-e1_11\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_11 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_11[data-kb-block=\"kb-adv-heading38558_c1a417-e1_11\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_11 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_11[data-kb-block=\"kb-adv-heading38558_c1a417-e1_11\"] img.kb-inline-image{width:150px;vertical-align:baseline;} &#8211; Your credit score matters, but some lenders are more lenient if you can show stable income or significant assets..wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_12, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_12[data-kb-block=\"kb-adv-heading38558_c1a417-e1_12\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_12 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_12[data-kb-block=\"kb-adv-heading38558_c1a417-e1_12\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_12 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_12[data-kb-block=\"kb-adv-heading38558_c1a417-e1_12\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Assets &#038; Savings.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_13, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_13[data-kb-block=\"kb-adv-heading38558_c1a417-e1_13\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_13 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_13[data-kb-block=\"kb-adv-heading38558_c1a417-e1_13\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_13 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_13[data-kb-block=\"kb-adv-heading38558_c1a417-e1_13\"] img.kb-inline-image{width:150px;vertical-align:baseline;} &#8211; Savings, investments, or an existing property can increase your borrowing capacity..wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_14, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_14[data-kb-block=\"kb-adv-heading38558_c1a417-e1_14\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_14 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_14[data-kb-block=\"kb-adv-heading38558_c1a417-e1_14\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_14 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_14[data-kb-block=\"kb-adv-heading38558_c1a417-e1_14\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Pro Tip: It\u2019s not just about your deposit. Lenders need evidence in your financials that you can repay the loan over time. Showing responsible income and expenses is crucial..wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_15, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_15[data-kb-block=\"kb-adv-heading38558_c1a417-e1_15\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_15 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_15[data-kb-block=\"kb-adv-heading38558_c1a417-e1_15\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_15 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_15[data-kb-block=\"kb-adv-heading38558_c1a417-e1_15\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Why Different Lenders Offer Different Borrowing Power.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_16, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_16[data-kb-block=\"kb-adv-heading38558_c1a417-e1_16\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_16 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_16[data-kb-block=\"kb-adv-heading38558_c1a417-e1_16\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_16 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_16[data-kb-block=\"kb-adv-heading38558_c1a417-e1_16\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Not all lenders treat applicants the same. Depending on your circumstances, some lenders may be better suited for you than others:.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_17, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_17[data-kb-block=\"kb-adv-heading38558_c1a417-e1_17\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_17 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_17[data-kb-block=\"kb-adv-heading38558_c1a417-e1_17\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_17 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_17[data-kb-block=\"kb-adv-heading38558_c1a417-e1_17\"] img.kb-inline-image{width:150px;vertical-align:baseline;} &#8211; Self-Employed Applicants: Certain lenders offer more flexible income verification for business owners or contractors..wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_18, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_18[data-kb-block=\"kb-adv-heading38558_c1a417-e1_18\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_18 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_18[data-kb-block=\"kb-adv-heading38558_c1a417-e1_18\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_18 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_18[data-kb-block=\"kb-adv-heading38558_c1a417-e1_18\"] img.kb-inline-image{width:150px;vertical-align:baseline;} &#8211; Lower Credit Scores: Some lenders are forgiving if your credit isn\u2019t perfect but your overall finances are solid..wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_19, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_19[data-kb-block=\"kb-adv-heading38558_c1a417-e1_19\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_19 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_19[data-kb-block=\"kb-adv-heading38558_c1a417-e1_19\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_19 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_19[data-kb-block=\"kb-adv-heading38558_c1a417-e1_19\"] img.kb-inline-image{width:150px;vertical-align:baseline;} &#8211; Stable Salary Preference: Some lenders prioritise full-time employment, while others consider rental income or other assets..wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_20, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_20[data-kb-block=\"kb-adv-heading38558_c1a417-e1_20\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_20 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_20[data-kb-block=\"kb-adv-heading38558_c1a417-e1_20\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_20 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_20[data-kb-block=\"kb-adv-heading38558_c1a417-e1_20\"] img.kb-inline-image{width:150px;vertical-align:baseline;}This is why working with a mortgage broker is invaluable\u2014they can match your situation with the lender most likely to approve your loan on the best terms..wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_21, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_21[data-kb-block=\"kb-adv-heading38558_c1a417-e1_21\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_21 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_21[data-kb-block=\"kb-adv-heading38558_c1a417-e1_21\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_21 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_21[data-kb-block=\"kb-adv-heading38558_c1a417-e1_21\"] img.kb-inline-image{width:150px;vertical-align:baseline;}FAQ: Common Borrowing Power Questions.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_22, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_22[data-kb-block=\"kb-adv-heading38558_c1a417-e1_22\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_22 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_22[data-kb-block=\"kb-adv-heading38558_c1a417-e1_22\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_22 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_22[data-kb-block=\"kb-adv-heading38558_c1a417-e1_22\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Q: Does a bigger deposit mean I\u2019ll automatically borrow more?A: Not necessarily. While a larger deposit can reduce your Loan-to-Value Ratio (LVR), lenders are more concerned with whether you can repay the loan comfortably..wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_23, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_23[data-kb-block=\"kb-adv-heading38558_c1a417-e1_23\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_23 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_23[data-kb-block=\"kb-adv-heading38558_c1a417-e1_23\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_23 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_23[data-kb-block=\"kb-adv-heading38558_c1a417-e1_23\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Q: Can self-employed people borrow the same as salaried employees?A: Some lenders are more lenient with self-employed applicants, but policies vary. Proof of income is key..wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_24, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_24[data-kb-block=\"kb-adv-heading38558_c1a417-e1_24\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_24 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_24[data-kb-block=\"kb-adv-heading38558_c1a417-e1_24\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_24 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_24[data-kb-block=\"kb-adv-heading38558_c1a417-e1_24\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Q: Will a low credit score stop me from borrowing?A: Not always. Some lenders specialise in applicants with less-than-perfect credit but strong overall financials..wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_25, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_25[data-kb-block=\"kb-adv-heading38558_c1a417-e1_25\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_25 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_25[data-kb-block=\"kb-adv-heading38558_c1a417-e1_25\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_25 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_25[data-kb-block=\"kb-adv-heading38558_c1a417-e1_25\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Calculate Your Borrowing Power Today.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_26, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_26[data-kb-block=\"kb-adv-heading38558_c1a417-e1_26\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_26 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_26[data-kb-block=\"kb-adv-heading38558_c1a417-e1_26\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_26 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_26[data-kb-block=\"kb-adv-heading38558_c1a417-e1_26\"] img.kb-inline-image{width:150px;vertical-align:baseline;}A great way to start planning is with a Home Loan Calculator. It gives a realistic estimate of what you might be able to borrow, helping you approach lenders strategically and confidently..wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_27, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_27[data-kb-block=\"kb-adv-heading38558_c1a417-e1_27\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_27 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_27[data-kb-block=\"kb-adv-heading38558_c1a417-e1_27\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_27 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading38558_c1a417-e1_27[data-kb-block=\"kb-adv-heading38558_c1a417-e1_27\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Bottom Line: Understanding borrowing power is about more than just your deposit\u2014it\u2019s about showing lenders you can repay the loan responsibly. Knowing your options, your strengths, and which lenders are most suitable can make the difference between approval and disappointment."},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"2025","item":"https:\/\/truthgroup.com.au\/2025\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"11","item":"https:\/\/truthgroup.com.au\/2025\/\/11\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"15","item":"https:\/\/truthgroup.com.au\/2025\/\/11\/\/15\/#breadcrumbitem"},{"@type":"ListItem","position":4,"name":"Understanding Borrowing Power: What Lenders Really Look For","item":"https:\/\/truthgroup.com.au\/2025\/11\/15\/understanding-borrowing-power-what-lenders-really-look-for\/#breadcrumbitem"}]}]