Smart Home Buying Starts with Our Borrowing Calculator
Borrowing Power Calculator – From First Home to Dream House Understand Your Borrowing Capacity with Confidence
Before you take the big step, whether buying your first home, upgrading to your dream house, or investing in property, it’s essential to understand how much you can borrow. Real Lending Solutions offers a borrowing power calculator designed to give fast, clear answers based on your financial situation.
What is My Borrowing Capacity?
Your borrowing capacity is the amount a lender may offer you based on income, expenses, existing debts, and credit history. Knowing this figure helps you plan smarter and make informed financial decisions. Our calculator offers a tailored estimate, answering your question: What is my borrowing capacity?
Why Use Our Borrowing Power Calculator?
If you’re based in Dapto, Shellharbour, Wollongong, Figtree or Albion Park, our easy-to-use tool is built to help you:
- Get a personalised estimate in minutes
- See how your financial situation affects borrowing limits
Plan for home ownership or property investment with confidence
What Affects Your Borrowing Capacity?
When calculating your borrowing power, lenders look at:
- Income Stability
A steady income boosts your chances of securing a higher loan amount.
- Credit History
A strong credit score makes you more appealing to lenders.
- Living Expenses
Lower monthly expenses can increase your borrowing power.
- Debt-to-Income Ratio
The less you owe compared to what you earn, the better your capacity to borrow.
How Does the Calculator Work?
Simply enter your:
- Income (wages, rental income, etc.)
- Debts (credit cards, personal or car loans)
- Monthly Expenses (bills, groceries, etc.)
- Loan Details (term and interest rate)
Our calculator then gives you a quick and realistic estimate based on current market rates.
Take the First Step Today
Real Lending Solutions supports home buyers and investors across Dapto, Shellharbour, Figtree, Wollongong, and Albion Park. Use our borrowing capacity calculator today and move closer to your dream home.
Need help? Speak to one of our finance experts for personalised support.
Reach Us
- clinton@reallendingsolutions.com.au
-
PO Box 445
Dapto NSW 2530 -
Suite 3/10 Beverley Ave
Warilla NSW 2528 - 0414 666 015
- 0482 076 071
- Mon - Sun : 8AM - 8PM
- ABN: 12 646 353 559
FAQs
Our borrowing capacity calculator provides a reliable estimate based on your financial information. However, borrowing amounts may vary depending on lender policies and additional checks. We recommend speaking directly with our expert team at Real Lending Solutions for the most accurate assessment.
No. Using our calculator is entirely risk-free and has no impact on your credit score. It’s a valuable tool to help you understand your potential borrowing limit before applying for a loan.
To increase your borrowing power:
- Reduce or pay off existing debts
- Maintain a strong credit score
- Increase your income where possible
- Keep your living expenses in check
Simple changes in your financial habits can make a big difference.
Absolutely. The calculator works even if you have existing loans or credit card balances. Ensure you enter all current financial commitments accurately for the most realistic estimate.
