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Borrowing power doesn’t usually fall because one big thing goes wrong. It falls because a few small things stack up, often mid-process. The solution is guardrails: simple rules that protect capacity before you refinance or buy again. Why borrowing power changes mid-process Borrowing power can change because of: rate movements and lender assessment changes updated living expense treatment credit limits and liabilities becoming more visible property type and postcode policy cha

Why borrowing power feels unpredictable Because it’s not one formula. It’s a mix of policy settings, your financial profile, and how lenders assess risk. What lenders typically look at Income base salary and consistency bonuses, overtime, commissions (often shaded) rental income (often shaded) Expenses living expenses (benchmarks plus what your statements show) dependants, childcare, commitments Existing debts credit cards, personal loans, HECS/HELP, car loans Buffers and ser