In particular we focus on getting the loan structure right the first time, choosing which lenders to use in the right order (yes this is important) and finally getting our clients the best deal possible.
Your borrowing capacity is calculated generally as your net income (income after tax) minus your expenses.
Lenders calculate your borrowing capacity using an assessment rate to examine your application. They have their own assessment rate and it's based on their appetite for risk, which is why your borrowing capacity may vary from one lender to another
