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Factors That Impact Your Borrowing Capacity

Better Loan Solutions in Mornington PeninsulaLearning CentreInsights

Factors that impact your borrowing capacity.

Borrowing capacity is the amount of money a lender or mortgage broker is willing to extend to you to purchase a property. It is also a measure of your ability to make ongoing loan repayments. In bank language we're talking 'serviceability.'

To establish how much they’re willing to loan you, a lender first needs to assess the amount you can afford to put down as a deposit as well as the likelihood of your meeting your loan obligations.

Even if you can make a substantial deposit and have plenty of assets to your name, it doesn’t automatically mean you have the cash flow to honour your repayment schedule.

Lenders consider the following critical factors when calculating the loan value for which you qualify.

Did you know?

With our in-house mortgage broking division we bridge the gap between the countless phone calls and emails between lender and accountant making your refinancing and borrowing much less stressful.


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Our in-house mortgage broking service makes your mortgage and lending needs so much easier, minimising the discord between accountant, lender and product advice.

We'd love to help you find the best loan for your needs.


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