A lot of borrowers are confused in 2026.
Your income may be the same.
Your job may be stable.
But your borrowing capacity may still be lower than before.
Why?
Because banks do not look at income only. They also assess:
higher living expense benchmarks
existing credit card limits
personal loans and car loans
HECS/HELP debt
rising assessment rates
tighter lender policy
debt-to-income limits
This means even if your salary has not changed, the amount a lender is willing to offer may have dropped.
For investors, this matters even more.
One wrong move early can reduce flexibility for the next purchase.
For property investors, getting the loan approved is only one part. Getting the structure right early is what protects your future borrowing power.
That is why in this market, strategy matters more than ever.
DM me or email loans@ozdadvisory.com.au if you want to understand what is affecting your borrowing capacity.
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