23/10/2026
🔍 Lenders look well past your income when assessing what you can borrow.
Declared living expenses, existing credit card limits even when unused, HECS debt, dependants and your credit file all feed into the assessment. Tidying those up before applying often makes more difference than a pay rise would.
Talk it through with our lending specialist Shane Payne on 9974 8333 or via [email protected].