Your borrowing capacity is factored by a few things:

• Your income - income from your employment as well as other investment income like rental income

• Your style of living - ordanary living expense + additional regular expense like gym membership, private health insurance and etc

• Your existing debt commitment - existing mortgage, car loan, personal loan and credit cards

• Choice of your lender - your borrowing capacity may vary slightly between lender

 

Use the below calculator to work out your estimate borrowing power.  Alternatively, you can contact us to have an credit expert to calculate your borrowing capacity based your situation and your preferred lender of your choice.