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How much can I borrow?

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At Mortgage House, we not only answer How Much Can I Borrow, but we take the time to give you the full picture of the costs involved in purchasing a property and answer all your questions... even the ones you haven't thought of yet!

We answer:

  • How much can I borrow?
  • How much can I afford?
  • What will my repayments be?
  • How much deposit do I need?
  • What will my upfront costs be for the loan and for the property?
  • How much is stamp duty?
  • Can I capitalise my upfront costs?
  • Can I use Family Tax Benefits as part of my income?
  • Can I use the First Home Owners Grant as my deposit?

Tips for increasing your borrowing capacity

  • Choose a lower interest rate and do without some of the home loan bells and whistles
  • Choose a longer home loan term, ie 30 years instead of 25 years
  • Cancel unused or unwanted credit facilities such as credit cards and store cards
  • Reduce credit limits on your existing credit cards and store cards
  • Raise a higher deposit (this may be in the form of a cash gift from a friend or family member)
  • Family pledge (use the security of an immediate family member's property)
  • Debt consolidation

For even more tips on how to increase your borrowing capacity speak with one of our friendly Home Loan Specialists by leaving your details here.

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