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Essential Tips for Boosting Your Borrowing Capacity in 2024
Manage episode 447142446 series 3595009
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In this episode of the Home Buyers Australia podcast, Jack Corbett and Damien Walker break down one of the most critical aspects of buying a home: borrowing capacity. If you want to maximise your home loan, this episode will give you the inside track with insights into how borrowing power is calculated.
From discussing liabilities like credit cards and car loans to offering insight into the nuances of self-employment and business income, this episode is packed with actionable tips to help you navigate the loan process with confidence.
In their usual straight talking style, Jack and Damien outline some of the big no-nos when it comes to boosting your borrowing and bust some myths along the way. They run through how banks assess your income and liabilities, and offer practical advice for increasing your borrowing potential, like managing credit card limits, tackling HECS debt, and improving your income.
In this episode you’ll learn:
- How borrowing capacity is calculated by banks
- Tips to increase borrowing power, including reducing credit card limits
- The impact of student debt (HECS) on borrowing capacity
- Advice for small business owners navigating the lending process
- Why planning early with a mortgage broker can make a big difference
Timestamps:
00:35 - Understanding Borrowing Capacity
03:02 - Boosting Borrowing Power by Managing Credit Card Limits
06:31 - Running Borrowing Scenarios for Clients
10:58 - Reducing HECS Debt to Enhance Borrowing Capacity
13:48 - Increasing Salary to Maximise Borrowing Power
18:52 - Special Loan Considerations for Small Business Owners
24:32 - How Banks Assess Business Income and Profit
ABOUT THE PODCAST:
Are you dreaming of owning your own home? Home Buyers Australia is your ultimate guide to navigating the Australian property market. Join mortgage broker Damien Walker and buyer's agent Jack Corbett as they break down the home buying process into easy-to-understand steps.
Damien Walker, a mortgage broker at Atelier Wealth, specialises in helping Australians navigate the complexities of property finance. With years of experience in the industry, Damien’s insights are invaluable for those looking to build a robust property portfolio.
Jack Corbett, a buyer's agent at Corbett Property Buyers, brings a wealth of knowledge in identifying and securing high-potential properties. Jack's expertise ensures clients make informed decisions that align with their long-term goals.
CONNECT WITH US:
Don’t forget to follow along on:
- Facebook: https://www.facebook.com/homebuyersaustralia
- Instagram: https://www.instagram.com/homebuyersaustralia
- TikTok: https://www.tiktok.com/@homebuyersaus
- YouTube: www.youtube.com/@HomeBuyersAus
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