Finance Tips & Tricks

Sonya Powe

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September 3, 2026

One of the first questions most buyers ask is: how much can I borrow for a home loan? It sounds like a simple question, but the answer depends on much more than your income. Lenders look at your deposit, expenses, debts, credit history, employment type, loan term, interest rate buffer and even the type of property you want to buy. That is why two people earning the same income can have very different borrowing capacities. In this guide, we explain how lenders assess home loan borrowing capacity, what can increase or reduce your borrowing power, and why speaking with a mortgage broker can give you a more accurate picture than relying on an online calculator alone.