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.
Borrowing capacity
Borrowing capacity typically refers to the maximum amount of money that an individual, company, or entity can borrow from a lender, such as a bank or financial institution. This capacity is determined by numerous factors including the borrower’s income, credit history, existing debt commitments, assets and liabilities. Lenders assess these aspects to assess the borrower’s ability to repay the loan and to determine the level of risk associated with lending to them. Factors such as income stability, credit score and debt to income ratio play a significant role in determining borrowing capacity.
Your borrowing capacity is calculated generally as your net income (income after tax) minus your expenses.
Learn MoreTo increase your borrowing capacity you can save a greater deposit, cut down expenses and grow income, pay down debts and review your credit history.
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