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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.
We recently helped clients refinance a home loan with a sky-high interest rate (over 10%) and clear their ATO debt and personal loans all while keeping repayments steady. With equity and the right paperwork, we reduced their rate to under 7% and gave them a clean slate. If tax debt is weighing you down, let’s talk strategy.
After a challenging property search full of delays, setbacks, and a long probate process, a Moreton Bay area couple finally settled on their dream home. Thanks to early planning, lender coordination, and strategic negotiation, they secured the property and moved in months before settlement.
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From 1 October 2025, all first home buyers will be able to purchase with just a 5% deposit under the expanded First Home Buyer Guarantee. There will be no income limits, no caps on places, and higher property price caps.
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