Top Tips to increase your Borrowing Capacity


Supercharge your property hunt with a boosted borrowing capacity!

This essential number defines your budget for that dream home or investment property. But don’t worry, it’s not set in stone! Different lenders have different yardsticks, and with some smart strategies, you can unlock hidden financial potential and expand your property horizons.

Get ready to explore 10 powerful ways to fuel your borrowing engine and take your property options to the next level!

Knowledge and Preparation:

  1. Know your credit score: Check your credit score regularly to identify areas for improvement.
  2. Reduce your debts: Pay down high-interest debts like credit cards to free up income for mortgage repayments.
  3. Reduce excess credit limits: Unused credit cards can still impact your borrowing capacity. Consider closing or lowering credit limits.
  4. Choose the right loan product: Different loan features can affect your borrowing capacity.

Financial Stability:

  1. Organize financial affairs: Having financial records in order streamlines the loan application process.
  2. Save for a deposit: A larger deposit demonstrates stable savings and increases borrowing capacity.
  3. Cut your expenses: Reducing unnecessary expenses increases your disposable income and potential borrowing.

Creative Strategies:

  1. Consider splitting liabilities: Sharing ownership with a financially stable partner can improve borrowing power.
  2. Increase your income: Extra income from bonuses, side hustles, or career advancements can boost your borrowing capacity.


  1. Take a longer mortgage term: While reducing monthly repayments, this strategy increases the total interest paid over the loan life.


Clear Pacific Capital Can Help You Increase Your Borrowing Capacity:

1. Credit Score Check & Improvement:

2. Debt Reduction Strategies:

3. Credit Limit Optimization:

4. Loan Product Selection:

5. Financial Organization:

6. Deposit Savings Strategies:

7. Expenses Management:

8. Liability Sharing Options:

9. Income Boosting Strategies:

10. Longer Mortgage Term Guidance:

You can Book your appointment today

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Our mortgage company is committed to providing expert guidance and tailored solutions, helping you navigate the path to homeownership with ease and confidence.

CRN No: 545428

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