[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/truthgroup.com.au\/2026\/03\/26\/how-much-can-you-borrow-in-2026-australia-home-loan-guide\/#BlogPosting","mainEntityOfPage":"https:\/\/truthgroup.com.au\/2026\/03\/26\/how-much-can-you-borrow-in-2026-australia-home-loan-guide\/","headline":"How Much Can You Borrow in 2026? (Australia Home Loan Guide)","name":"How Much Can You Borrow in 2026? (Australia Home Loan Guide)","description":"If you&#8217;re thinking about buying a home or investment property in 2026, the first question is always the same: How Much Can You Borrow in 2026? (Australia Home Loan Guide) Watch this video on YouTube. \u201cHow much can I actually borrow?\u201d The truth is \u2014 most people either overestimate or underestimate their borrowing power. And \u2026 <a class=\"read-more\" href=\"https:\/\/truthgroup.com.au\/2026\/03\/26\/how-much-can-you-borrow-in-2026-australia-home-loan-guide\/\" aria-label=\"Read more about How Much Can You Borrow in 2026? (Australia Home Loan Guide)\">Read: How Much Can You Borrow in 2026? (Australia Home Loan Guide)<\/a>","datePublished":"2026-03-26","dateModified":"2026-03-26","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\/ik5RDx0E5Iw\/0.jpg?resize=640%2C340&ssl=1","url":"https:\/\/i0.wp.com\/i.ytimg.com\/vi\/ik5RDx0E5Iw\/0.jpg?resize=640%2C340&ssl=1","height":"340","width":"640"},"url":"https:\/\/truthgroup.com.au\/2026\/03\/26\/how-much-can-you-borrow-in-2026-australia-home-loan-guide\/","video":{"@context":"http:\/\/schema.org\/","@type":"VideoObject","@id":"https:\/\/www.youtube.com\/watch?v=ik5RDx0E5Iw#VideoObject","contentUrl":"https:\/\/www.youtube.com\/watch?v=ik5RDx0E5Iw","name":"How Much Can You Borrow in 2026? (Australia Home Loan Guide)","description":"Thinking about buying a home or investment property in Australia?\n\nBefore you start looking at properties, you need to understand one thing first:\n\n\ud83d\udc49 How much can you actually borrow?\n\nIn this video, I break down how borrowing power works in 2026 and why most home buyers get this wrong.\n\nLenders don\u2019t just look at your income \u2014 they assess your full financial position, including your expenses, debts, credit limits, and apply interest rate buffers.\n\nThat\u2019s why your borrowing capacity may be lower than you expect.\n\n\ud83d\udcca What You\u2019ll Learn:\nHow banks calculate borrowing power\nWhy borrowing capacity has changed in 2026\nReal borrowing examples based on current conditions\nCommon mistakes home buyers make\nHow to increase your borrowing power\n\ud83d\udca1 Key Takeaway:\n\n\ud83d\udc49 Finance first, property second\n\nUnderstanding your borrowing power before you start searching can save you time, reduce risk, and help you make better decisions.\n\n\ud83d\udcde Want to Know Exactly How Much You Can Borrow?\n\nIf you\u2019re serious about buying or investing, I can help you:\n\nUnderstand your borrowing capacity\nStructure your loan correctly\nChoose the right lender\nsearch and shortlist the right home or investment property\n\n\ud83d\udc49 Book a call or message me here:\nhttps:\/\/truthgroup.com.au\/\n\n\ud83c\udfe1 About Truth Group Pty Ltd\n\nMortgage Broker & Buyer\u2019s Agent based in Sydney.\n\nHelping home buyers and property investors with:\n\n#mortgageplanning\n#property  #finance e\n#propertysearching  #propertyacquisition \n#howmuchcaniborrow   #homeloanborrowingpoweraustralia \n#mortgagebrokersydney \n#homeloanaustraliaguide \n#howtoincreaseborrowingpower\n#propertyinvestmentaustralia","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/ik5RDx0E5Iw\/default.jpg","https:\/\/i.ytimg.com\/vi\/ik5RDx0E5Iw\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/ik5RDx0E5Iw\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/ik5RDx0E5Iw\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/ik5RDx0E5Iw\/maxresdefault.jpg"],"uploadDate":"2026-03-26T00:26:37+00:00","duration":"PT1M14S","embedUrl":"https:\/\/www.youtube.com\/embed\/ik5RDx0E5Iw","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=ik5RDx0E5Iw#VideoObject_publisher_logo_ImageObject"}},"potentialAction":{"@type":"SeekToAction","@id":"https:\/\/www.youtube.com\/watch?v=ik5RDx0E5Iw#VideoObject_potentialAction","target":"https:\/\/www.youtube.com\/watch?v=ik5RDx0E5Iw&t={seek_to_second_number}","startOffset-input":"required name=seek_to_second_number"},"interactionStatistic":[[{"@type":"InteractionCounter","@id":"https:\/\/www.youtube.com\/watch?v=ik5RDx0E5Iw#VideoObject_interactionStatistic_WatchAction","interactionType":{"@type":"WatchAction"},"userInteractionCount":4}]]},"about":["Latest Post"],"wordCount":510,"articleBody":".wp-block-kadence-advancedheading.kt-adv-heading42425_3565c3-ac, .wp-block-kadence-advancedheading.kt-adv-heading42425_3565c3-ac[data-kb-block=\"kb-adv-heading42425_3565c3-ac\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_3565c3-ac mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_3565c3-ac[data-kb-block=\"kb-adv-heading42425_3565c3-ac\"] 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-heading42425_3565c3-ac img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_3565c3-ac[data-kb-block=\"kb-adv-heading42425_3565c3-ac\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_5, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_5[data-kb-block=\"kb-adv-heading42425_9364c6-f7_5\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_5[data-kb-block=\"kb-adv-heading42425_9364c6-f7_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-heading42425_9364c6-f7_5 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_5[data-kb-block=\"kb-adv-heading42425_9364c6-f7_5\"] img.kb-inline-image{width:150px;vertical-align:baseline;}If you&#8217;re thinking about buying a home or investment property in 2026, the first question is always the same:How Much Can You Borrow in 2026? (Australia Home Loan Guide) Watch this video on YouTube..wp-block-kadence-advancedheading.kt-adv-heading42425_12eb38-4b, .wp-block-kadence-advancedheading.kt-adv-heading42425_12eb38-4b[data-kb-block=\"kb-adv-heading42425_12eb38-4b\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_12eb38-4b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_12eb38-4b[data-kb-block=\"kb-adv-heading42425_12eb38-4b\"] 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-heading42425_12eb38-4b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_12eb38-4b[data-kb-block=\"kb-adv-heading42425_12eb38-4b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_6, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_6[data-kb-block=\"kb-adv-heading42425_9364c6-f7_6\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_6 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_6[data-kb-block=\"kb-adv-heading42425_9364c6-f7_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-heading42425_9364c6-f7_6 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_6[data-kb-block=\"kb-adv-heading42425_9364c6-f7_6\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\u201cHow much can I actually borrow?\u201d.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_7, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_7[data-kb-block=\"kb-adv-heading42425_9364c6-f7_7\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_7[data-kb-block=\"kb-adv-heading42425_9364c6-f7_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-heading42425_9364c6-f7_7 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_7[data-kb-block=\"kb-adv-heading42425_9364c6-f7_7\"] img.kb-inline-image{width:150px;vertical-align:baseline;}The truth is \u2014 most people either overestimate or underestimate their borrowing power..wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_8, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_8[data-kb-block=\"kb-adv-heading42425_9364c6-f7_8\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_8 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_8[data-kb-block=\"kb-adv-heading42425_9364c6-f7_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-heading42425_9364c6-f7_8 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_8[data-kb-block=\"kb-adv-heading42425_9364c6-f7_8\"] img.kb-inline-image{width:150px;vertical-align:baseline;}And if you get this wrong, you can:Waste time looking at the wrong propertiesMiss out on opportunitiesOr worse \u2014 get declined after making an offer.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_9, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_9[data-kb-block=\"kb-adv-heading42425_9364c6-f7_9\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_9[data-kb-block=\"kb-adv-heading42425_9364c6-f7_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-heading42425_9364c6-f7_9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_9[data-kb-block=\"kb-adv-heading42425_9364c6-f7_9\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_10, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_10[data-kb-block=\"kb-adv-heading42425_9364c6-f7_10\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_10 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_10[data-kb-block=\"kb-adv-heading42425_9364c6-f7_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-heading42425_9364c6-f7_10 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_10[data-kb-block=\"kb-adv-heading42425_9364c6-f7_10\"] img.kb-inline-image{width:150px;vertical-align:baseline;}As a mortgage broker and buyer\u2019s agent, I can tell you this:.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_11, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_11[data-kb-block=\"kb-adv-heading42425_9364c6-f7_11\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_11 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_11[data-kb-block=\"kb-adv-heading42425_9364c6-f7_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-heading42425_9364c6-f7_11 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_11[data-kb-block=\"kb-adv-heading42425_9364c6-f7_11\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Your borrowing capacity matters more than the property you buy..wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_12, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_12[data-kb-block=\"kb-adv-heading42425_9364c6-f7_12\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_12 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_12[data-kb-block=\"kb-adv-heading42425_9364c6-f7_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-heading42425_9364c6-f7_12 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_12[data-kb-block=\"kb-adv-heading42425_9364c6-f7_12\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Let\u2019s break it down..wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_13, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_13[data-kb-block=\"kb-adv-heading42425_9364c6-f7_13\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_13 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_13[data-kb-block=\"kb-adv-heading42425_9364c6-f7_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-heading42425_9364c6-f7_13 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_13[data-kb-block=\"kb-adv-heading42425_9364c6-f7_13\"] img.kb-inline-image{width:150px;vertical-align:baseline;}How Banks Calculate Your Borrowing Power.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_14, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_14[data-kb-block=\"kb-adv-heading42425_9364c6-f7_14\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_14 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_14[data-kb-block=\"kb-adv-heading42425_9364c6-f7_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-heading42425_9364c6-f7_14 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_14[data-kb-block=\"kb-adv-heading42425_9364c6-f7_14\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Banks don\u2019t just look at your income \u2014 they assess your entire financial position..wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_15, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_15[data-kb-block=\"kb-adv-heading42425_9364c6-f7_15\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_15 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_15[data-kb-block=\"kb-adv-heading42425_9364c6-f7_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-heading42425_9364c6-f7_15 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_15[data-kb-block=\"kb-adv-heading42425_9364c6-f7_15\"] img.kb-inline-image{width:150px;vertical-align:baseline;}1. Your Income.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_16, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_16[data-kb-block=\"kb-adv-heading42425_9364c6-f7_16\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_16 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_16[data-kb-block=\"kb-adv-heading42425_9364c6-f7_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-heading42425_9364c6-f7_16 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_16[data-kb-block=\"kb-adv-heading42425_9364c6-f7_16\"] img.kb-inline-image{width:150px;vertical-align:baseline;}This includes:Salary (PAYG)Self-employed incomeRental income (usually shaded)Bonuses and overtime (sometimes).wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_18, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_18[data-kb-block=\"kb-adv-heading42425_9364c6-f7_18\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_18 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_18[data-kb-block=\"kb-adv-heading42425_9364c6-f7_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-heading42425_9364c6-f7_18 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_18[data-kb-block=\"kb-adv-heading42425_9364c6-f7_18\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\ud83d\udc49 Not all income is treated equally..wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_19, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_19[data-kb-block=\"kb-adv-heading42425_9364c6-f7_19\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_19 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_19[data-kb-block=\"kb-adv-heading42425_9364c6-f7_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-heading42425_9364c6-f7_19 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_19[data-kb-block=\"kb-adv-heading42425_9364c6-f7_19\"] img.kb-inline-image{width:150px;vertical-align:baseline;}2. Your Expenses.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_20, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_20[data-kb-block=\"kb-adv-heading42425_9364c6-f7_20\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_20 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_20[data-kb-block=\"kb-adv-heading42425_9364c6-f7_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-heading42425_9364c6-f7_20 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_20[data-kb-block=\"kb-adv-heading42425_9364c6-f7_20\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Banks now apply detailed living expense checks..wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_21, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_21[data-kb-block=\"kb-adv-heading42425_9364c6-f7_21\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_21 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_21[data-kb-block=\"kb-adv-heading42425_9364c6-f7_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-heading42425_9364c6-f7_21 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_21[data-kb-block=\"kb-adv-heading42425_9364c6-f7_21\"] img.kb-inline-image{width:150px;vertical-align:baseline;}This includes:RentGroceriesInsuranceSubscriptionsLifestyle spending.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_23, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_23[data-kb-block=\"kb-adv-heading42425_9364c6-f7_23\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_23 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_23[data-kb-block=\"kb-adv-heading42425_9364c6-f7_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-heading42425_9364c6-f7_23 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_23[data-kb-block=\"kb-adv-heading42425_9364c6-f7_23\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\ud83d\udc49 Even if you say you spend less, banks apply minimum benchmarks..wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_24, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_24[data-kb-block=\"kb-adv-heading42425_9364c6-f7_24\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_24 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_24[data-kb-block=\"kb-adv-heading42425_9364c6-f7_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-heading42425_9364c6-f7_24 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_24[data-kb-block=\"kb-adv-heading42425_9364c6-f7_24\"] img.kb-inline-image{width:150px;vertical-align:baseline;}3. Existing Debts.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_25, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_25[data-kb-block=\"kb-adv-heading42425_9364c6-f7_25\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_25 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_25[data-kb-block=\"kb-adv-heading42425_9364c6-f7_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-heading42425_9364c6-f7_25 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_25[data-kb-block=\"kb-adv-heading42425_9364c6-f7_25\"] img.kb-inline-image{width:150px;vertical-align:baseline;}This is where many buyers lose borrowing power..wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_26, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_26[data-kb-block=\"kb-adv-heading42425_9364c6-f7_26\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_26 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_26[data-kb-block=\"kb-adv-heading42425_9364c6-f7_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-heading42425_9364c6-f7_26 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_26[data-kb-block=\"kb-adv-heading42425_9364c6-f7_26\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Examples:Credit cards (limits matter, not balance)Personal loansCar financeHECS\/HELP debtBNPL.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_27, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_27[data-kb-block=\"kb-adv-heading42425_9364c6-f7_27\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_27 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_27[data-kb-block=\"kb-adv-heading42425_9364c6-f7_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-heading42425_9364c6-f7_27 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_27[data-kb-block=\"kb-adv-heading42425_9364c6-f7_27\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_28, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_28[data-kb-block=\"kb-adv-heading42425_9364c6-f7_28\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_28 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_28[data-kb-block=\"kb-adv-heading42425_9364c6-f7_28\"] 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-heading42425_9364c6-f7_28 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_28[data-kb-block=\"kb-adv-heading42425_9364c6-f7_28\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\ud83d\udc49 A $10,000 credit card limit can reduce borrowing capacity significantly..wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_29, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_29[data-kb-block=\"kb-adv-heading42425_9364c6-f7_29\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_29 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_29[data-kb-block=\"kb-adv-heading42425_9364c6-f7_29\"] 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-heading42425_9364c6-f7_29 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_29[data-kb-block=\"kb-adv-heading42425_9364c6-f7_29\"] img.kb-inline-image{width:150px;vertical-align:baseline;}4. Interest Rate Buffers.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_30, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_30[data-kb-block=\"kb-adv-heading42425_9364c6-f7_30\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_30 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_30[data-kb-block=\"kb-adv-heading42425_9364c6-f7_30\"] 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-heading42425_9364c6-f7_30 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_30[data-kb-block=\"kb-adv-heading42425_9364c6-f7_30\"] img.kb-inline-image{width:150px;vertical-align:baseline;}In 2026, lenders still apply a buffer rate (usually ~3% above actual rate)..wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_31, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_31[data-kb-block=\"kb-adv-heading42425_9364c6-f7_31\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_31 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_31[data-kb-block=\"kb-adv-heading42425_9364c6-f7_31\"] 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-heading42425_9364c6-f7_31 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_31[data-kb-block=\"kb-adv-heading42425_9364c6-f7_31\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\ud83d\udc49 This reduces how much you can borrow \u2014 but protects you long term..wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_32, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_32[data-kb-block=\"kb-adv-heading42425_9364c6-f7_32\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_32 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_32[data-kb-block=\"kb-adv-heading42425_9364c6-f7_32\"] 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-heading42425_9364c6-f7_32 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_32[data-kb-block=\"kb-adv-heading42425_9364c6-f7_32\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Why Borrowing Power Has Changed in 2026.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_33, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_33[data-kb-block=\"kb-adv-heading42425_9364c6-f7_33\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_33 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_33[data-kb-block=\"kb-adv-heading42425_9364c6-f7_33\"] 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-heading42425_9364c6-f7_33 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_33[data-kb-block=\"kb-adv-heading42425_9364c6-f7_33\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Compared to previous years:Interest rates are higher than historic lowsLending rules are stricterLiving expenses are scrutinised more.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_34, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_34[data-kb-block=\"kb-adv-heading42425_9364c6-f7_34\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_34 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_34[data-kb-block=\"kb-adv-heading42425_9364c6-f7_34\"] 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-heading42425_9364c6-f7_34 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_34[data-kb-block=\"kb-adv-heading42425_9364c6-f7_34\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_35, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_35[data-kb-block=\"kb-adv-heading42425_9364c6-f7_35\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_35 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_35[data-kb-block=\"kb-adv-heading42425_9364c6-f7_35\"] 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-heading42425_9364c6-f7_35 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_35[data-kb-block=\"kb-adv-heading42425_9364c6-f7_35\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\ud83d\udc49 This means borrowing capacity is tighter than most people expect.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_36, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_36[data-kb-block=\"kb-adv-heading42425_9364c6-f7_36\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_36 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_36[data-kb-block=\"kb-adv-heading42425_9364c6-f7_36\"] 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-heading42425_9364c6-f7_36 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_36[data-kb-block=\"kb-adv-heading42425_9364c6-f7_36\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Example Borrowing Scenarios (Rough Guide)Example Borrowing Scenarios (2026 \u2013 Realistic Guide)Single income: $90K \u2192 ~$380K \u2013 $480KCouple income: $150K \u2192 ~$600K \u2013 $750KCouple income: $200K \u2192 ~$800K \u2013 $1.0M.wp-block-kadence-advancedheading.kt-adv-heading42425_7d4392-1d, .wp-block-kadence-advancedheading.kt-adv-heading42425_7d4392-1d[data-kb-block=\"kb-adv-heading42425_7d4392-1d\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_7d4392-1d mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_7d4392-1d[data-kb-block=\"kb-adv-heading42425_7d4392-1d\"] 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-heading42425_7d4392-1d img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_7d4392-1d[data-kb-block=\"kb-adv-heading42425_7d4392-1d\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_37, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_37[data-kb-block=\"kb-adv-heading42425_9364c6-f7_37\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_37 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_37[data-kb-block=\"kb-adv-heading42425_9364c6-f7_37\"] 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-heading42425_9364c6-f7_37 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_37[data-kb-block=\"kb-adv-heading42425_9364c6-f7_37\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\u26a0\ufe0f These are estimates only \u2014 every lender is different..wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_38, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_38[data-kb-block=\"kb-adv-heading42425_9364c6-f7_38\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_38 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_38[data-kb-block=\"kb-adv-heading42425_9364c6-f7_38\"] 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-heading42425_9364c6-f7_38 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_38[data-kb-block=\"kb-adv-heading42425_9364c6-f7_38\"] img.kb-inline-image{width:150px;vertical-align:baseline;}How to Increase Your Borrowing Power.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_39, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_39[data-kb-block=\"kb-adv-heading42425_9364c6-f7_39\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_39 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_39[data-kb-block=\"kb-adv-heading42425_9364c6-f7_39\"] 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-heading42425_9364c6-f7_39 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_39[data-kb-block=\"kb-adv-heading42425_9364c6-f7_39\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Before applying, you can improve your position:.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_40, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_40[data-kb-block=\"kb-adv-heading42425_9364c6-f7_40\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_40 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_40[data-kb-block=\"kb-adv-heading42425_9364c6-f7_40\"] 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-heading42425_9364c6-f7_40 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_40[data-kb-block=\"kb-adv-heading42425_9364c6-f7_40\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\u2714 Reduce credit card limits\u2714 Pay off personal debts\u2714 Choose the right lender (policies vary)\u2714 Structure your loan correctly\u2714 Include rental income (for investors).wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_41, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_41[data-kb-block=\"kb-adv-heading42425_9364c6-f7_41\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_41 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_41[data-kb-block=\"kb-adv-heading42425_9364c6-f7_41\"] 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-heading42425_9364c6-f7_41 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_41[data-kb-block=\"kb-adv-heading42425_9364c6-f7_41\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\ud83d\udc49 The right strategy can increase borrowing power by tens or even hundreds of thousands.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_42, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_42[data-kb-block=\"kb-adv-heading42425_9364c6-f7_42\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_42 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_42[data-kb-block=\"kb-adv-heading42425_9364c6-f7_42\"] 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-heading42425_9364c6-f7_42 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_42[data-kb-block=\"kb-adv-heading42425_9364c6-f7_42\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Common Mistakes Home Buyers Make.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_43, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_43[data-kb-block=\"kb-adv-heading42425_9364c6-f7_43\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_43 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_43[data-kb-block=\"kb-adv-heading42425_9364c6-f7_43\"] 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-heading42425_9364c6-f7_43 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_43[data-kb-block=\"kb-adv-heading42425_9364c6-f7_43\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\u274c Looking at properties before knowing borrowing capacity\u274c Going directly to one bank\u274c Not understanding loan structure\u274c Overestimating what they can afford.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_44, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_44[data-kb-block=\"kb-adv-heading42425_9364c6-f7_44\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_44 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_44[data-kb-block=\"kb-adv-heading42425_9364c6-f7_44\"] 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-heading42425_9364c6-f7_44 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_44[data-kb-block=\"kb-adv-heading42425_9364c6-f7_44\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Why You Should Speak to a Mortgage Broker First.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_45, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_45[data-kb-block=\"kb-adv-heading42425_9364c6-f7_45\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_45 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_45[data-kb-block=\"kb-adv-heading42425_9364c6-f7_45\"] 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-heading42425_9364c6-f7_45 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_45[data-kb-block=\"kb-adv-heading42425_9364c6-f7_45\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Most buyers speak to real estate agents first..wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_46, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_46[data-kb-block=\"kb-adv-heading42425_9364c6-f7_46\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_46 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_46[data-kb-block=\"kb-adv-heading42425_9364c6-f7_46\"] 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-heading42425_9364c6-f7_46 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_46[data-kb-block=\"kb-adv-heading42425_9364c6-f7_46\"] img.kb-inline-image{width:150px;vertical-align:baseline;}That\u2019s the wrong move..wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_47, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_47[data-kb-block=\"kb-adv-heading42425_9364c6-f7_47\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_47 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_47[data-kb-block=\"kb-adv-heading42425_9364c6-f7_47\"] 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-heading42425_9364c6-f7_47 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_47[data-kb-block=\"kb-adv-heading42425_9364c6-f7_47\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\ud83d\udc49 You should understand:Your borrowing limitYour loan optionsYour strategy.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_48, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_48[data-kb-block=\"kb-adv-heading42425_9364c6-f7_48\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_48 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_48[data-kb-block=\"kb-adv-heading42425_9364c6-f7_48\"] 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-heading42425_9364c6-f7_48 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_48[data-kb-block=\"kb-adv-heading42425_9364c6-f7_48\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_49, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_49[data-kb-block=\"kb-adv-heading42425_9364c6-f7_49\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_49 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_49[data-kb-block=\"kb-adv-heading42425_9364c6-f7_49\"] 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-heading42425_9364c6-f7_49 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_49[data-kb-block=\"kb-adv-heading42425_9364c6-f7_49\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Before you even start searching for property.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_50, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_50[data-kb-block=\"kb-adv-heading42425_9364c6-f7_50\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_50 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_50[data-kb-block=\"kb-adv-heading42425_9364c6-f7_50\"] 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-heading42425_9364c6-f7_50 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_50[data-kb-block=\"kb-adv-heading42425_9364c6-f7_50\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Final Thoughts.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_51, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_51[data-kb-block=\"kb-adv-heading42425_9364c6-f7_51\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_51 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_51[data-kb-block=\"kb-adv-heading42425_9364c6-f7_51\"] 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-heading42425_9364c6-f7_51 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_51[data-kb-block=\"kb-adv-heading42425_9364c6-f7_51\"] img.kb-inline-image{width:150px;vertical-align:baseline;}In 2026, getting a home loan isn\u2019t just about income \u2014 it\u2019s about strategy..wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_52, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_52[data-kb-block=\"kb-adv-heading42425_9364c6-f7_52\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_52 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_52[data-kb-block=\"kb-adv-heading42425_9364c6-f7_52\"] 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-heading42425_9364c6-f7_52 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_52[data-kb-block=\"kb-adv-heading42425_9364c6-f7_52\"] img.kb-inline-image{width:150px;vertical-align:baseline;}If you want to:Maximise your borrowing powerStructure your loan correctlyBuy with confidence.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_53, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_53[data-kb-block=\"kb-adv-heading42425_9364c6-f7_53\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_53 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_53[data-kb-block=\"kb-adv-heading42425_9364c6-f7_53\"] 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-heading42425_9364c6-f7_53 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_53[data-kb-block=\"kb-adv-heading42425_9364c6-f7_53\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_54, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_54[data-kb-block=\"kb-adv-heading42425_9364c6-f7_54\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_54 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_54[data-kb-block=\"kb-adv-heading42425_9364c6-f7_54\"] 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-heading42425_9364c6-f7_54 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_54[data-kb-block=\"kb-adv-heading42425_9364c6-f7_54\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\ud83d\udc49 It starts with understanding your numbers..wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_55, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_55[data-kb-block=\"kb-adv-heading42425_9364c6-f7_55\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_55 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_55[data-kb-block=\"kb-adv-heading42425_9364c6-f7_55\"] 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-heading42425_9364c6-f7_55 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_55[data-kb-block=\"kb-adv-heading42425_9364c6-f7_55\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_56, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_56[data-kb-block=\"kb-adv-heading42425_9364c6-f7_56\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_56 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_56[data-kb-block=\"kb-adv-heading42425_9364c6-f7_56\"] 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-heading42425_9364c6-f7_56 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_56[data-kb-block=\"kb-adv-heading42425_9364c6-f7_56\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Want to know exactly how much you can borrow?.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_57, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_57[data-kb-block=\"kb-adv-heading42425_9364c6-f7_57\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_57 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_57[data-kb-block=\"kb-adv-heading42425_9364c6-f7_57\"] 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-heading42425_9364c6-f7_57 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_57[data-kb-block=\"kb-adv-heading42425_9364c6-f7_57\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Reach out to Truth Group Pty Ltd for personalised mortgage planning &amp; property buying help..wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_58, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_58[data-kb-block=\"kb-adv-heading42425_9364c6-f7_58\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_58 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_58[data-kb-block=\"kb-adv-heading42425_9364c6-f7_58\"] 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-heading42425_9364c6-f7_58 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_9364c6-f7_58[data-kb-block=\"kb-adv-heading42425_9364c6-f7_58\"] img.kb-inline-image{width:150px;vertical-align:baseline;}I don\u2019t just help you get a loan \u2014\ud83d\udc49 I help you build the right strategy to buy and invest with confidence..wp-block-kadence-advancedbtn.kb-btns42425_46888c-4f{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns42425_46888c-4f .kt-button{font-weight:normal;font-style:normal;}.kt-btns42425_46888c-4f .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns42425_46888c-4f .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns42425_46888c-4f .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns42425_46888c-4f .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns42425_46888c-4f .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns42425_46888c-4f .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns42425_46888c-4f .kt-btn-wrap-0 .kt-button:focus{background:#444444;}ul.menu .wp-block-kadence-advancedbtn .kb-btn42425_0a36bb-47.kb-button{width:initial;}.wp-block-kadence-advancedbtn .kb-btn42425_0a36bb-47.kb-button{color:#042335;background:#f4c949;border-top-color:#ffffff;border-right-color:#ffffff;border-bottom-color:#ffffff;border-left-color:#ffffff;}.wp-block-kadence-advancedbtn .kb-btn42425_0a36bb-47.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn42425_0a36bb-47.kb-button:focus{color:#042335;background:#f4c949;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn42425_0a36bb-47.kb-button{border-top-color:#ffffff;border-right-color:#ffffff;border-bottom-color:#ffffff;border-left-color:#ffffff;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn42425_0a36bb-47.kb-button{border-top-color:#ffffff;border-right-color:#ffffff;border-bottom-color:#ffffff;border-left-color:#ffffff;}}Book a Consultationul.menu .wp-block-kadence-advancedbtn .kb-btn42425_c67b58-c9.kb-button{width:initial;}.wp-block-kadence-advancedbtn .kb-btn42425_c67b58-c9.kb-button{color:#042335;background:#f4c949;border-top-color:#ffffff;border-right-color:#ffffff;border-bottom-color:#ffffff;border-left-color:#ffffff;}.wp-block-kadence-advancedbtn .kb-btn42425_c67b58-c9.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn42425_c67b58-c9.kb-button:focus{color:#042335;background:#f4c949;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn42425_c67b58-c9.kb-button{border-top-color:#ffffff;border-right-color:#ffffff;border-bottom-color:#ffffff;border-left-color:#ffffff;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn42425_c67b58-c9.kb-button{border-top-color:#ffffff;border-right-color:#ffffff;border-bottom-color:#ffffff;border-left-color:#ffffff;}}Apply Online.wp-block-kadence-advancedheading.kt-adv-heading42425_187f06-80, .wp-block-kadence-advancedheading.kt-adv-heading42425_187f06-80[data-kb-block=\"kb-adv-heading42425_187f06-80\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_187f06-80 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_187f06-80[data-kb-block=\"kb-adv-heading42425_187f06-80\"] 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-heading42425_187f06-80 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_187f06-80[data-kb-block=\"kb-adv-heading42425_187f06-80\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42425_6a1702-c2, .wp-block-kadence-advancedheading.kt-adv-heading42425_6a1702-c2[data-kb-block=\"kb-adv-heading42425_6a1702-c2\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42425_6a1702-c2 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42425_6a1702-c2[data-kb-block=\"kb-adv-heading42425_6a1702-c2\"] 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-heading42425_6a1702-c2 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42425_6a1702-c2[data-kb-block=\"kb-adv-heading42425_6a1702-c2\"] img.kb-inline-image{width:150px;vertical-align:baseline;}"},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"2026","item":"https:\/\/truthgroup.com.au\/2026\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"03","item":"https:\/\/truthgroup.com.au\/2026\/\/03\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"26","item":"https:\/\/truthgroup.com.au\/2026\/\/03\/\/26\/#breadcrumbitem"},{"@type":"ListItem","position":4,"name":"How Much Can You Borrow in 2026? (Australia Home Loan Guide)","item":"https:\/\/truthgroup.com.au\/2026\/03\/26\/how-much-can-you-borrow-in-2026-australia-home-loan-guide\/#breadcrumbitem"}]}]