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Home > Personal Solutions > Getting Started > Borrowing Capacity

Borrowing Capacity

Exploring the Options
The amount you can borrow depends on the purchase price or market value of the property and associated costs, what you're earning and your ongoing financial commitments. As a rule of thumb, you can borrow up to 95% of the value of the property being offered as security. (Note that Lenders Mortgage Insurance usually applies for loans over 80% LVR, with some lenders allowing you to capitalise this fee to the loan amount to a maximum loan value of 97%.)

Some lenders also offer 100% loans.

In determining your borrowing capacity, the assessment and the amount of the advance will vary between lenders. My calculator will provide you with a guide. Or you can contact me for a free no-obligation consultation to fully assess your borrowing opportunities.

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Property Finance Professionals
PO Box 439 Gladesville NSW 1675
Tel: 02 9972 4452 Fax: 02 9972 4605
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