Knowing exactly how much you can borrow — and how lenders calculate it — is essential before making any property decisions. At Write Finance, we go beyond the basic online calculators. We provide a clear, personalised borrowing power assessment based on your actual financial situation, the lenders most likely to approve you, and the strategies that can maximise your approval amount without overextending you.
We help clients understand and improve their borrowing capacity with clarity and confidence
Our approach is built on accurate analysis and realistic projections. While we can help you uncover ways to increase your borrowing power, we also ensure the structure is sustainable, protecting your cash flow and supporting your long-term property and business goals.
Our approach to borrowing power assessments
Our approach to borrowing power assessments
Discovery and Goal Setting
We start by understanding your goals whether you’re aiming to buy your first home, expand an investment portfolio, or refinance to release equity. For self-employed clients, we dig deeper into how your income is earned, whether through a company, trust, or multiple contracts, so we can present your position to lenders in the most favourable way.
Documentation and Preparation
We provide a tailored checklist to capture all the details lenders consider when calculating borrowing capacity. PAYG borrowers may only need payslips and bank statements, but self-employed clients often require BAS statements, tax returns, company financials, or dividend records. Providing complete, accurate documents helps avoid lenders underestimating your income.
Borrowing Capacity Assessment
We use lender-specific tools not generic online estimates — to model your borrowing power across multiple banks and non-bank lenders. For business owners, this includes factoring in add-backs such as depreciation, one-off expenses, and retained earnings that can significantly improve your calculated income. We also account for your existing debts, living expenses, and future rate rises to provide a realistic, forward-looking figure.
Lender Comparison and Recommendation
Borrowing capacity varies widely between lenders. We compare results from over 60 options, highlighting where you can borrow more without sacrificing favourable terms. This comparison also considers which lenders offer the most flexibility for your type of income, property location, and desired loan features.
Strategy to Maximise Borrowing Power
If your borrowing power isn’t where you need it to be, we’ll outline actionable steps to improve it before applying. This may include reducing short-term debt, restructuring existing loans, adjusting how income is drawn from a business, or increasing deposit savings to lower your loan-to-value ratio. We make sure any changes align with your broader financial plan, not just short-term approval goals.
Application and Ongoing Support
Once you’re ready, we position your application with the lender whose policies best match your profile. We remain in contact through the process, addressing any questions from the lender, and once approved, we keep reviewing your situation over time to ensure you remain in the best position for your next purchase or refinance.
