[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/truthgroup.com.au\/2026\/04\/10\/how-much-can-i-borrow-in-2026-and-why-most-buyers-get-it-wrong\/#BlogPosting","mainEntityOfPage":"https:\/\/truthgroup.com.au\/2026\/04\/10\/how-much-can-i-borrow-in-2026-and-why-most-buyers-get-it-wrong\/","headline":"How Much Can I Borrow in 2026? (And Why Most Buyers Get It Wrong)","name":"How Much Can I Borrow in 2026? (And Why Most Buyers Get It Wrong)","description":"In 2026, many property buyers misunderstand their borrowing power due to reliance on online calculators. Factors affecting it include income, expenses, debts, and lender policies. Instead of focusing solely on how much they can borrow, buyers should strategise their borrowing structure to enhance capacity, cash flow, and investment opportunities.","datePublished":"2026-04-10","dateModified":"2026-04-10","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\/2025\/10\/hero-logo-1-e1762756174980.png","url":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2025\/10\/hero-logo-1-e1762756174980.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2026\/04\/truth-group-pty-ltd-69d8cc970cf38.png","url":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2026\/04\/truth-group-pty-ltd-69d8cc970cf38.png","height":1024,"width":1024},"url":"https:\/\/truthgroup.com.au\/2026\/04\/10\/how-much-can-i-borrow-in-2026-and-why-most-buyers-get-it-wrong\/","video":{"@context":"http:\/\/schema.org\/","@type":"VideoObject","@id":"https:\/\/www.youtube.com\/watch?v=G8UnH8VQ-XA#VideoObject","contentUrl":"https:\/\/www.youtube.com\/watch?v=G8UnH8VQ-XA","name":"Thinking about buying or investing in property in 2026?","description":"Before you start searching, you need to understand how much you can actually borrow \u2014 and why most people get this wrong.\n\nIn this video, we break down:\n\nHow borrowing capacity really works\nWhat lenders actually look at\nWhy online calculators are misleading\nHow to structure your loan properly\n\nLearn what actually impacts your borrowing power\nUnderstand how lenders assess your situation\nSee how strategy can improve your position\n\nIf you want a personalised borrowing assessment:\n\nReach out to review your situation and explore your options\n#borrowingpower  #homeloanaustralia  #mortgagebrokersydney  #propertyinvestmentadvisor  #howmuchcaniborrow  #homeloanaustralia  #finance2026","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/G8UnH8VQ-XA\/default.jpg","https:\/\/i.ytimg.com\/vi\/G8UnH8VQ-XA\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/G8UnH8VQ-XA\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/G8UnH8VQ-XA\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/G8UnH8VQ-XA\/maxresdefault.jpg"],"uploadDate":"2026-04-10T10:09:28+00:00","duration":"PT59S","embedUrl":"https:\/\/www.youtube.com\/embed\/G8UnH8VQ-XA","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":"Welcome to Truth Group \u2014 where buying property and securing finance becomes simple, strategic, and stress-free.\nI\u2019m Niko, a licensed Buyers Agent and Mortgage Broker based in Sydney, here to help everyday Aussies make smarter property decisions.\n\nWhether you're buying your first home, investing, or need loan guidance, I break it down in clear, straight-talking videos.\n\nI help clients secure:\n\u2022 Established homes in high-growth areas\n\u2022 House and land packages\n\u2022 Commercial and mixed-use properties\n\u2022 Pre-approvals, refinance options & smart loan structures\n\nOn this channel, I share weekly tips on:\n\u2022 Buying strategies from a Sydney Buyers Agent\n\u2022 Mortgage planning & boosting borrowing power\n\u2022 Using a solid asset base to build wealth\n\u2022 Credit score & lender insights\n\n\ud83d\udccd Based in Hoxton Park \u2013 helping clients Australia-wide\n\ud83c\udf10 truthgroup.com.au | \ud83d\udcf1 Truth Group Pty Ltd on Facebook, LinkedIn & Google\nSubscribe now and let\u2019s get started.\n","logo":{"url":"https:\/\/yt3.ggpht.com\/0bYn-LN7lEmJEamUfHfCt1zo5YuZUz08PlGjcEoFWbe7cpd28E-tKPat4p5bIvQ5OfzsVXoPpXo=s800-c-k-c0x00ffffff-no-rj","width":800,"height":800,"@type":"ImageObject","@id":"https:\/\/www.youtube.com\/watch?v=G8UnH8VQ-XA#VideoObject_publisher_logo_ImageObject"}},"potentialAction":{"@type":"SeekToAction","@id":"https:\/\/www.youtube.com\/watch?v=G8UnH8VQ-XA#VideoObject_potentialAction","target":"https:\/\/www.youtube.com\/watch?v=G8UnH8VQ-XA&t={seek_to_second_number}","startOffset-input":"required name=seek_to_second_number"}},"about":["Latest Post"],"wordCount":464,"articleBody":".wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_0, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_0[data-kb-block=\"kb-adv-heading42998_150439-55_0\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_0 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_0[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_0 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_0[data-kb-block=\"kb-adv-heading42998_150439-55_0\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Thinking about buying or investing in property in 2026? Watch this video on YouTube..wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_1, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_1[data-kb-block=\"kb-adv-heading42998_150439-55_1\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_1 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_1[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_1 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_1[data-kb-block=\"kb-adv-heading42998_150439-55_1\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Thinking about buying a property or investing in 2026?.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_2, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_2[data-kb-block=\"kb-adv-heading42998_150439-55_2\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_2 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_2[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_2 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_2[data-kb-block=\"kb-adv-heading42998_150439-55_2\"] img.kb-inline-image{width:150px;vertical-align:baseline;}One of the first questions most people ask is:How much can I borrow?.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_3, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_3[data-kb-block=\"kb-adv-heading42998_150439-55_3\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_3 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_3[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_3 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_3[data-kb-block=\"kb-adv-heading42998_150439-55_3\"] img.kb-inline-image{width:150px;vertical-align:baseline;}But here\u2019s the truth \u2014Most people are looking at the wrong number..wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_4, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_4[data-kb-block=\"kb-adv-heading42998_150439-55_4\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_4[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_4[data-kb-block=\"kb-adv-heading42998_150439-55_4\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Why Borrowing Capacity Isn\u2019t What You Think.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_5, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_5[data-kb-block=\"kb-adv-heading42998_150439-55_5\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_5[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_5 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_5[data-kb-block=\"kb-adv-heading42998_150439-55_5\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Online calculators give you a rough estimate\u2026But they don\u2019t consider:Your full financial positionShading of incomeExisting debtsLiving expensesLender policy differences.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_6, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_6[data-kb-block=\"kb-adv-heading42998_150439-55_6\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_6 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_6[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_6 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_6[data-kb-block=\"kb-adv-heading42998_150439-55_6\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_7, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_7[data-kb-block=\"kb-adv-heading42998_150439-55_7\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_7[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_7 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_7[data-kb-block=\"kb-adv-heading42998_150439-55_7\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Two people with the same income can have completely different borrowing power.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_8, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_8[data-kb-block=\"kb-adv-heading42998_150439-55_8\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_8 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_8[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_8 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_8[data-kb-block=\"kb-adv-heading42998_150439-55_8\"] img.kb-inline-image{width:150px;vertical-align:baseline;}What Actually Impacts Your Borrowing Power.wp-block-kadence-advancedheading.kt-adv-heading42998_4c363e-86, .wp-block-kadence-advancedheading.kt-adv-heading42998_4c363e-86[data-kb-block=\"kb-adv-heading42998_4c363e-86\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_4c363e-86 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_4c363e-86[data-kb-block=\"kb-adv-heading42998_4c363e-86\"] 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-heading42998_4c363e-86 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_4c363e-86[data-kb-block=\"kb-adv-heading42998_4c363e-86\"] img.kb-inline-image{width:150px;vertical-align:baseline;}1. Your Income (But Not All of It Counts)Overtime, bonuses, rental income \u2014 often reduced by lendersSelf-employed income may require more documentation.wp-block-kadence-advancedheading.kt-adv-heading42998_98e385-5a, .wp-block-kadence-advancedheading.kt-adv-heading42998_98e385-5a[data-kb-block=\"kb-adv-heading42998_98e385-5a\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_98e385-5a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_98e385-5a[data-kb-block=\"kb-adv-heading42998_98e385-5a\"] 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-heading42998_98e385-5a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_98e385-5a[data-kb-block=\"kb-adv-heading42998_98e385-5a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}2. Your ExpensesLenders don\u2019t just use what you declareThey apply benchmark living expenses.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_9, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_9[data-kb-block=\"kb-adv-heading42998_150439-55_9\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_9[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_9[data-kb-block=\"kb-adv-heading42998_150439-55_9\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_10, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_10[data-kb-block=\"kb-adv-heading42998_150439-55_10\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_10 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_10[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_10 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_10[data-kb-block=\"kb-adv-heading42998_150439-55_10\"] img.kb-inline-image{width:150px;vertical-align:baseline;}This is where many borrowers lose capacity.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_11, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_11[data-kb-block=\"kb-adv-heading42998_150439-55_11\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_11 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_11[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_11 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_11[data-kb-block=\"kb-adv-heading42998_150439-55_11\"] img.kb-inline-image{width:150px;vertical-align:baseline;}3. Existing DebtsCredit cards (even unused limits)Car loansPersonal loans.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_12, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_12[data-kb-block=\"kb-adv-heading42998_150439-55_12\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_12 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_12[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_12 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_12[data-kb-block=\"kb-adv-heading42998_150439-55_12\"] img.kb-inline-image{width:150px;vertical-align:baseline;}These reduce how much you can borrow significantly.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_13, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_13[data-kb-block=\"kb-adv-heading42998_150439-55_13\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_13 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_13[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_13 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_13[data-kb-block=\"kb-adv-heading42998_150439-55_13\"] img.kb-inline-image{width:150px;vertical-align:baseline;}4. Interest Rate Buffers.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_14, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_14[data-kb-block=\"kb-adv-heading42998_150439-55_14\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_14 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_14[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_14 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_14[data-kb-block=\"kb-adv-heading42998_150439-55_14\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Lenders assess your loan at a higher rate than actual.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_15, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_15[data-kb-block=\"kb-adv-heading42998_150439-55_15\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_15 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_15[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_15 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_15[data-kb-block=\"kb-adv-heading42998_150439-55_15\"] img.kb-inline-image{width:150px;vertical-align:baseline;}This protects you \u2014 but reduces borrowing capacity.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_16, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_16[data-kb-block=\"kb-adv-heading42998_150439-55_16\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_16 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_16[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_16 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_16[data-kb-block=\"kb-adv-heading42998_150439-55_16\"] img.kb-inline-image{width:150px;vertical-align:baseline;}The Biggest Mistake Buyers Make.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_17, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_17[data-kb-block=\"kb-adv-heading42998_150439-55_17\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_17 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_17[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_17 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_17[data-kb-block=\"kb-adv-heading42998_150439-55_17\"] img.kb-inline-image{width:150px;vertical-align:baseline;}They:Use one calculatorAssume that\u2019s their limitStart property searching.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_18, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_18[data-kb-block=\"kb-adv-heading42998_150439-55_18\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_18 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_18[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_18 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_18[data-kb-block=\"kb-adv-heading42998_150439-55_18\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_19, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_19[data-kb-block=\"kb-adv-heading42998_150439-55_19\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_19 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_19[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_19 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_19[data-kb-block=\"kb-adv-heading42998_150439-55_19\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Then realise later they can\u2019t borrow what they expected.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_20, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_20[data-kb-block=\"kb-adv-heading42998_150439-55_20\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_20 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_20[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_20 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_20[data-kb-block=\"kb-adv-heading42998_150439-55_20\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Smart Strategy in 2026.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_21, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_21[data-kb-block=\"kb-adv-heading42998_150439-55_21\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_21 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_21[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_21 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_21[data-kb-block=\"kb-adv-heading42998_150439-55_21\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Instead of asking:How much can I borrow?.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_22, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_22[data-kb-block=\"kb-adv-heading42998_150439-55_22\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_22 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_22[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_22 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_22[data-kb-block=\"kb-adv-heading42998_150439-55_22\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Ask:How should I structure my borrowing to achieve my goals?.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_23, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_23[data-kb-block=\"kb-adv-heading42998_150439-55_23\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_23 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_23[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_23 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_23[data-kb-block=\"kb-adv-heading42998_150439-55_23\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Because the right strategy can:Increase borrowing capacityImprove cash flowHelp you invest soonerSet up future purchases.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_24, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_24[data-kb-block=\"kb-adv-heading42998_150439-55_24\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_24 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_24[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_24 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_24[data-kb-block=\"kb-adv-heading42998_150439-55_24\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Example Strategy.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_25, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_25[data-kb-block=\"kb-adv-heading42998_150439-55_25\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_25 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_25[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_25 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_25[data-kb-block=\"kb-adv-heading42998_150439-55_25\"] img.kb-inline-image{width:150px;vertical-align:baseline;}A structured approach may include:Reducing unnecessary credit limitsChoosing the right lender policyStructuring loans correctlyUsing equity strategically.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_26, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_26[data-kb-block=\"kb-adv-heading42998_150439-55_26\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_26 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_26[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_26 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_26[data-kb-block=\"kb-adv-heading42998_150439-55_26\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Final Thought.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_27, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_27[data-kb-block=\"kb-adv-heading42998_150439-55_27\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_27 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_27[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_27 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_27[data-kb-block=\"kb-adv-heading42998_150439-55_27\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Borrowing capacity isn\u2019t just a number \u2014It\u2019s a strategy..wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_28, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_28[data-kb-block=\"kb-adv-heading42998_150439-55_28\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_28 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_28[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_28 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_28[data-kb-block=\"kb-adv-heading42998_150439-55_28\"] img.kb-inline-image{width:150px;vertical-align:baseline;}And getting it right early can be the difference between:  – Missing opportunities  – Building a property portfolio.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_29, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_29[data-kb-block=\"kb-adv-heading42998_150439-55_29\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_29 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_29[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_29 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_29[data-kb-block=\"kb-adv-heading42998_150439-55_29\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_30, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_30[data-kb-block=\"kb-adv-heading42998_150439-55_30\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_30 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_30[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_30 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_30[data-kb-block=\"kb-adv-heading42998_150439-55_30\"] img.kb-inline-image{width:150px;vertical-align:baseline;}If you want to understand your real borrowing capacity (not just a calculator estimate):.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_31, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_31[data-kb-block=\"kb-adv-heading42998_150439-55_31\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_31 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_31[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_31 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_31[data-kb-block=\"kb-adv-heading42998_150439-55_31\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Reach out for a personalised assessment.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_32, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_32[data-kb-block=\"kb-adv-heading42998_150439-55_32\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_32 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_32[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_32 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_32[data-kb-block=\"kb-adv-heading42998_150439-55_32\"] img.kb-inline-image{width:150px;vertical-align:baseline;}I\u2019ll help you:Understand what you can actually borrowStructure it correctlyAlign it with your property goals.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_33, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_33[data-kb-block=\"kb-adv-heading42998_150439-55_33\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_33 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_33[data-kb-block=\"kb-adv-heading42998_150439-55_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-heading42998_150439-55_33 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42998_150439-55_33[data-kb-block=\"kb-adv-heading42998_150439-55_33\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Share this:\t\t\t\tEmail a link to a friend (Opens in new window)\t\t\t\tEmail\t\t\t\t\t\t\tShare on Facebook (Opens in new window)\t\t\t\tFacebook\t\t\t\t\t\t\tShare on LinkedIn (Opens in new 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window)\t\t\t\tBluesky\t\t\t"},{"@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":"04","item":"https:\/\/truthgroup.com.au\/2026\/\/04\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"10","item":"https:\/\/truthgroup.com.au\/2026\/\/04\/\/10\/#breadcrumbitem"},{"@type":"ListItem","position":4,"name":"How Much Can I Borrow in 2026? (And Why Most Buyers Get It Wrong)","item":"https:\/\/truthgroup.com.au\/2026\/04\/10\/how-much-can-i-borrow-in-2026-and-why-most-buyers-get-it-wrong\/#breadcrumbitem"}]}]