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Whether you’re expanding your investment portfolio or refinancing to access equity, understanding your borrowing power is key to making smart, strategic moves in today’s market.
But let’s be clear borrowing power isn’t just about how much the bank might lend you. It’s about how you can use your position to leverage better deals, grow your assets, and stay in control of your finances long term.
Your borrowing power is the amount a lender is willing to let you borrow based on your current financial situation. It’s calculated using:
For investors, lenders often take a more conservative approach to rental income and living costs. So if you own multiple properties or are self-employed, your borrowing power might vary significantly between lenders.
If it’s been more than 12–18 months since you reviewed your home or investment loan, there’s a good chance you’re not on the most competitive rate especially if you’ve built up equity.
Refinancing can:
Even a small rate drop can save thousands a year and if you’re serious about scaling your portfolio, those savings compound fast.
Want to be in a stronger position for your next deal? Here’s what you can do:
At Bribie Island Lending, I work with investors who want practical, results-driven lending advice — no fluff, no upsell.
Whether you’re looking to refinance an existing property, restructure your portfolio or make your next move, I’ll give you a clear picture of what’s possible and how to get it done.
Book a quick call and let’s run the numbers.
We are based on the beautiful Queensland coast, between the Sunshine Coast & Brisbane and we offer a complimentary home loan broking service.
Make an appointment today for an obligation-free chat, to talk about what you need and how we can help.
Your borrowing power is one of the most important tools you have as a property investor. Whether you’re looking to refinance, expand your portfolio or unlock equity, knowing where you stand, and how to improve it, can make all the difference.
The Gold Coast’s population is booming, but housing supply isn’t keeping up — creating a major opportunity for property investors. With only a fraction of the required dwellings being approved, rental yields and property values are rising fast.
If you’re looking for somewhere with room to move, a proper sense of peace, and still close enough to commute — Elimbah might just tick every box. It’s one of those underrated spots that locals love and more people are quietly discovering.
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