borrowing capacity

  • Investing

    Airbnb vs Long-Term Rental: Which Improves Borrowing Power?

    airbnb versus longterm

    When comparing Airbnb vs long-term rental, the most important difference from a lending perspective is not how much income a property can generate, but how reliably that income is recognised by banks. While Airbnb can produce higher cash flow in the right circumstances, long-term rental income generally delivers stronger borrowing outcomes for home loans in […]

  • Home Loan

    How Much Can I Borrow for a Home Loan in Australia? A Practical Guide

    Most borrowers considering a home loan in Australia can access around 5 to 6 times their annual income, but that figure is only a starting point. The exact amount depends on serviceability tests, living expenses, including the Household Expenditure Measure, interest rates, APRA (Australian Prudential Regulation Authority) interest rate buffering, existing debts, and debt-to-income ratios. […]