How much can I borrow in 2026? What lenders actually assess

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 servicing

APRA has confirmed the mortgage serviceability buffer remains at 3 percentage points (as of July 2025).

APRA also announced debt-to-income (DTI) limits to constrain riskier lending, which can impact higher leverage scenarios.

How to increase certainty before you buy

• reduce limits on unused credit (especially cards)

• clean up statements so your expenses are clear and explainable

• confirm your deposit and buffer strategy

• choose a lender based on policy fit, not brand familiarity

If you want your real number (not an online estimate), book a call and we’ll confirm borrowing power based on lender policy.

Disclaimer: General information only. This article does not take into account your objectives, financial situation or needs. Before acting, consider whether it’s appropriate for you and seek advice. Credit and lending outcomes depend on lender policy, your circumstances and the property.