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Borrowing Power Calculator | Calculate Borrowing Power | Liberty
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The more borrowing power you have, the higher credit limit or loan amount you are likely to get. Having a healthy deposit, strong credit history, and a low debt-to-income ratio generally means more borrowing power. Other factors such as loan terms and interest rates can also impact your borrowing power.\u003C/p>"}},{"@type":"Question","name":"How do you calculate borrowing power?","acceptedAnswer":{"@type":"Answer","text":"\u003Cp>Different lenders have their own formulas to calculate borrowing power, but our useful online borrowing power calculator can provide an estimate of how much you might be able to borrow. Keep in mind that factors other than your credit history or hard financial numbers can impact your borrowing power. Your lender may look at things like your number of dependents, or any resale risks associated with the type of purchase you are looking to make.\u003C/p>"}},{"@type":"Question","name":"Does my deposit amount affect my borrowing power?","acceptedAnswer":{"@type":"Answer","text":"\u003Cp>When it comes to \u003Ca href=\"/home-loans/\" uuid=\"bf9448ee-9b38-4589-a285-0d0d0fdc71ef\" target=\"_self\" story=\"[object Object]\">home loans\u003C/a>, your deposit amount can impact your borrowing power. All other things being equal, the higher your deposit amount, the more borrowing power you have. For a 30-year mortgage with a low interest rate, some lenders may want to see somewhere between a 10-20% deposit. Other lenders offer home loans requiring as little as a 5% deposit. While this may mean a slightly higher interest rate, it could help you get into your new home sooner.\u003C/p>"}},{"@type":"Question","name":"Can I increase my borrowing power?","acceptedAnswer":{"@type":"Answer","text":"\u003Cp>As the borrowing power calculator shows, how much you can borrow depends on a range of factors including your income, assets, and current living expenses. If the borrowing power calculator did not give you the answer you were hoping for, it might be time to make some adjustments to increase your borrowing power. Speaking with a \u003Ca href=\"/about-us/find-an-adviser\" uuid=\"b5701f78-b8e3-452b-8071-ce020698bab0\" target=\"_self\" story=\"[object Object]\">Liberty Adviser\u003C/a> is a great first step.\u003C/p>"}},{"@type":"Question","name":"Does equity increase my borrowing power?","acceptedAnswer":{"@type":"Answer","text":"\u003Cp>If you own a property or other investment, you could increase your borrowing power by tapping into the equity instead of relying solely on a cash deposit. For homeownership, equity is the difference between the current market value of your property and what you still owe on your mortgage. There are a few ways to use the equity in your home, the most common uses include buying an investment property and renovating the existing property.\u003C/p>"}},{"@type":"Question","name":"Will my credit score affect borrowing power?","acceptedAnswer":{"@type":"Answer","text":"\u003Cp>Your credit score may factor into your borrowing power, as lenders want to know that you can responsibly manage debt. To qualify for a home loan, a lender may prefer you to have a score rated as ‘Good’ or above. Don’t let a less-than-ideal credit history stop you – get in touch with a \u003Ca href=\"/about-us/find-an-adviser\" uuid=\"b5701f78-b8e3-452b-8071-ce020698bab0\" target=\"_self\" story=\"[object Object]\">Liberty Adviser\u003C/a> to explore the lending options available to you.\u003C/p>"}},{"@type":"Question","name":"Does it matter if I apply by myself or with another person?","acceptedAnswer":{"@type":"Answer","text":"\u003Cp>Your borrowing power could change depending on whether you’re applying for a loan by yourself or with someone else. Applying with another person means your collective income, assets and deposits could allow you to borrow more than if you were a single applicant. However, you may have a greater collective total debt, which might limit your joint borrowing power. You can use the borrowing power calculator to compare how much you may be able to borrow for a new home as a single or joint applicant.\u003C/p>"}}]}</script> <script type="module" src="/_nuxt-1733272187436/BDuastsQ.js" crossorigin></script> <script id="unhead:payload" type="application/json">{"title":"Liberty Financial"}</script><style>.button-animation[data-v-bb2882cf]{animation-duration:3s;animation-iteration-count:2;animation-name:de-text-pop-up-bb2882cf;animation-timing-function:ease-in-out;will-change:transform}@media (prefers-reduced-motion:reduce){.button-animation[data-v-bb2882cf]{animation:none}}@keyframes de-text-pop-up-bb2882cf{0%{box-shadow:none;transform:translateY(0);transform-origin:50% 50%}50%{transform:translateY(-5px);transform-origin:50% 50%}to{box-shadow:none;transform:translateY(0);transform-origin:50% 50%}} /*! booster-font-faces start *//*! booster-font-faces end */ .simplemenu[data-v-c832a75a]{-moz-columns:250px 3;columns:250px 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<!--]--><!--[--><!--]--></button><!----><!--]--><!--]--><!----></div><!--]--></div><!--]--></div></div></header><div><!----></div></div><!--[--><div><div><div data-test="page"><!--[--><div data-v-2e67394d><div class="max-w-[1440px] mx-auto lg:px-8" data-v-2e67394d data-v-2762c209><div class="gradient-secondary text-white lg:rounded-3xl overflow-hidden" data-v-2762c209><div class="relative flex flex-wrap h-100vh md:min-h-[688px]" data-v-2762c209><div class="w-full p-6 sm:p-16 lg:pr-0 lg:w-6/12" data-v-2762c209><!--[--><form data-identifier="loan-insight-intro" data-v-2762c209 class="formkit-form" id="input_0" name="form_1" data-auto-animate="true"><!--[--><h1 class="font-heavy text-h2-sm lg:text-h2">Try our borrowing power calculator</h1><div class="richtext font-bold text-white my-6"><div class="wysiwyg"><p class="text-white">Answer a few questions for an instant estimate of how much you may be able to borrow, your indicative interest rate and repayment amount.</p></div></div><div class="grid gap-4 grid-cols-1 md:grid-cols-2"><!--[--><div class="formkit-outer relative group my-0 col-span-2 md:col-span-1" data-type="textoutline" data-empty="true" data-auto-animate="true"><div class="formkit-wrapper"><!----><div class="formkit-inner flex text-font-storm !bg-transparent w-full rounded-lg transition-colors duration-200 ease-in-out"><!----><!----><input id="FormFirstName" value name="FormFirstName" placeholder="First Name" class="bg-transparent border-b border-white rounded-none h-12 !outline-none w-full !text-white text-opacity-50 text-h5 hover:outline-none placeholder:text-white placeholder:text-opacity-50 placeholder:text-opacity-50 input-outlined"><!----><!----></div></div><!----><!----></div><div class="formkit-outer relative group my-0 col-span-2 md:col-span-1" data-type="textoutline" data-empty="true" data-auto-animate="true"><div class="formkit-wrapper"><!----><div class="formkit-inner flex text-font-storm !bg-transparent w-full rounded-lg transition-colors duration-200 ease-in-out"><!----><!----><input id="FormLastName" value name="FormLastName" placeholder="Last Name" class="bg-transparent border-b border-white rounded-none h-12 !outline-none w-full !text-white text-opacity-50 text-h5 hover:outline-none placeholder:text-white placeholder:text-opacity-50 placeholder:text-opacity-50 input-outlined"><!----><!----></div></div><!----><!----></div><div class="formkit-outer relative group my-0 col-span-2" data-type="textoutline" data-empty="true" data-auto-animate="true"><div class="formkit-wrapper"><!----><div class="formkit-inner flex text-font-storm !bg-transparent w-full rounded-lg transition-colors duration-200 ease-in-out"><!----><!----><input id="FormEmail" value name="FormEmail" placeholder="Email" class="bg-transparent border-b border-white rounded-none h-12 !outline-none w-full !text-white text-opacity-50 text-h5 hover:outline-none placeholder:text-white placeholder:text-opacity-50 placeholder:text-opacity-50 input-outlined"><!----><!----></div></div><!----><!----></div><div class="formkit-outer relative group my-0 col-span-2 md:col-span-1" data-type="textoutline" data-empty="true" data-auto-animate="true"><div class="formkit-wrapper"><!----><div class="formkit-inner flex text-font-storm !bg-transparent w-full rounded-lg transition-colors duration-200 ease-in-out"><!----><!----><input id="FormPhone" value name="FormPhone" placeholder="Phone number" class="bg-transparent border-b border-white rounded-none h-12 !outline-none w-full !text-white text-opacity-50 text-h5 hover:outline-none placeholder:text-white placeholder:text-opacity-50 placeholder:text-opacity-50 input-outlined"><!----><!----></div></div><!----><!----></div><div class="formkit-outer relative group my-0" data-type="autopostcodeoutline" data-empty="true" data-auto-animate="true"><div class="formkit-wrapper"><!----><div class="formkit-inner flex text-font-storm !bg-transparent w-full rounded-lg transition-colors duration-200 ease-in-out"><!----><!----><!--[--><input id="input_1" placeholder="Postcode" class="formkit-input bg-transparent border-b border-white rounded-none h-12 !outline-none w-full !text-white text-opacity-50 text-h5 hover:outline-none placeholder:text-white placeholder:text-opacity-50" value data-v-837cebb4><!----><!----><!--]--><!----><!----></div></div><!----><!----></div><!--]--><!----><div class="col-span-2 flex justify-start"><div class="formkit-outer relative group" data-family="button" data-type="submit" data-empty="true" data-auto-animate="true"><!----><div class="formkit-wrapper"><button class="formkit-input bg-white w-full h-12 py-3 rounded-lg p-4 text-lg leading-tighter text-font-gray placeholder:text-font-storm outline-none focus:shadow-outline transition-colors duration-200 ease-in-out !bg-white !text-deep-sapphire !border-none" type="submit" name="submit_2" id="input_2"><!----><!----><!--[-->Go<!--]--><!----><!----></button></div><!----></div></div></div><!--]--><!----><!----></form><!--]--><!----><!----><!----><!----></div><div class="hidden lg:flex lg:items-center lg:justify-center w-full lg:w-6/12" data-v-2762c209><img onerror="this.setAttribute('data-error', 1)" alt="Calculator Home Loans" loading="lazy" data-nuxt-img srcset="https://a.storyblok.com/f/148182/668x686/27a0cd6522/calculator-homeloan.png/m/filters:format(webp):quality(80) 1x, https://a.storyblok.com/f/148182/668x686/27a0cd6522/calculator-homeloan.png/m/filters:format(webp):quality(80) 2x" class="w-full h-full object-cover" src="https://a.storyblok.com/f/148182/668x686/27a0cd6522/calculator-homeloan.png/m/filters:format(webp):quality(80)" data-v-2762c209></div></div></div></div></div><div id class="my-10 lg:my-20 print:bg-white print:pt-0 print:pb-3"><div class="max:container w-full mx-auto px-4 md:px-8 lg:px-10"><!--[--><div class="grid grid-cols-4 md:grid-cols-12 gap-4 lg:gap-8 max:gap-10 items-center"><!--[--><div class="col-span-full lg:col-span-5 order-1 lg:col-start-2"><img onerror="this.setAttribute('data-error', 1)" width="380" height="380" alt="Liberty -coin" loading="lazy" data-nuxt-img srcset="https://a.storyblok.com/f/148182/760x634/453b469ee3/icon-calculator-resized.png/m/380x380/filters:format(webp):quality(80) 1x, https://a.storyblok.com/f/148182/760x634/453b469ee3/icon-calculator-resized.png/m/760x760/filters:format(webp):quality(80) 2x" class="block mx-auto w-[200px] sm:w-[380px] print:hidden" src="https://a.storyblok.com/f/148182/760x634/453b469ee3/icon-calculator-resized.png/m/380x380/filters:format(webp):quality(80)"></div><div class="lg:text-left col-span-full lg:col-span-5 order-2"><div class="content richtext"><div class="wysiwyg"><!--[--><div class="richtext wysiwyg"><div class="wysiwyg"><!--[--><h2><strong>How much can I borrow?</strong></h2><p>You may be a free thinker, but it still helps to have a clear view of your borrowing power before you start searching for a home. That’s why we made this handy home loan borrowing calculator.</p><ul><li><p>Easy to use</p></li><li><p>Results provided instantly</p></li><li><p>Won't impact your credit score</p></li></ul><!--]--></div></div><!--]--></div><!----></div></div><!--]--></div><!--]--></div></div><div id class="my-10 lg:my-20 print:bg-white print:pt-0 print:pb-3"><div class="max:container w-full mx-auto px-4 md:px-8 lg:px-10"><!--[--><div class="grid grid-cols-4 md:grid-cols-12 gap-4 lg:gap-8 max:gap-10 items-center"><!--[--><div class="col-span-full lg:col-span-5 order-1 lg:order-3"><img onerror="this.setAttribute('data-error', 1)" width="380" height="380" alt="Blue House Icon" loading="lazy" data-nuxt-img srcset="https://a.storyblok.com/f/148182/760x634/fdb06345cf/icon-760x634-house.png/m/380x380/filters:format(webp):quality(80) 1x, https://a.storyblok.com/f/148182/760x634/fdb06345cf/icon-760x634-house.png/m/760x760/filters:format(webp):quality(80) 2x" class="block mx-auto w-[200px] sm:w-[380px] print:hidden" src="https://a.storyblok.com/f/148182/760x634/fdb06345cf/icon-760x634-house.png/m/380x380/filters:format(webp):quality(80)"></div><div class="lg:text-left col-span-full lg:col-span-5 order-2 lg:col-start-2"><div class="content richtext"><div class="wysiwyg"><!--[--><div class="richtext wysiwyg"><div class="wysiwyg"><!--[--><h2><strong>Our borrowing power calculator can help</strong></h2><p>Borrowing power, or borrowing capacity, refers to how much a lender could loan you to purchase an asset such as a property. Understanding your borrowing power will give you a better idea of your budget. Our home loan borrowing calculator gives homebuyers an estimate of how much they could borrow, as well as an indicative interest rate and repayment amount.</p><!--]--></div></div><!--]--></div><!----></div></div><!--]--></div><!--]--></div></div><div id class="my-14 lg:my-20 print:hidden"><div class="max:container w-full mx-auto px-4 md:px-8 lg:px-10"><!--[--><div class="grid grid-cols-4 md:grid-cols-12 gap-4 lg:gap-8 max:gap-10 mb-5 lg:mb-10"><!--[--><div class="col-span-full lg:col-span-8 lg:col-start-3 text-center"><h3 class="text-deep-sapphire font-heavy text-h4 md:text-h3 mb-4 md:mb-5">Like you, we think differently</h3><p class="text-lg md:text-2xl">That's why we created a free-thinking calculator to help you: </p></div><!--]--></div><div class="grid grid-cols-4 md:grid-cols-12 gap-4 lg:gap-8 max:gap-10"><!--[--><div class="col-span-full lg:col-span-10 lg:col-start-2"><div class="grid grid-cols-1 md:grid-cols-2 gap-5 md:gap-10" multirow><!--[--><!--[--><div class="col-span-1"><div class="shadow-card rounded-lg pl-12 pr-3 py-3 relative h-full lg:py-4"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" class="fill-cerulean w-5 h-5 absolute left-3 top-4"><path d="M22.862 23.931V0L0 23.931z"/></svg><div><p>Understand your potential budget before you start house hunting.</p></div></div></div><div class="col-span-1"><div class="shadow-card rounded-lg pl-12 pr-3 py-3 relative h-full lg:py-4"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" class="fill-cerulean w-5 h-5 absolute left-3 top-4"><path d="M22.862 23.931V0L0 23.931z"/></svg><div><p>Estimate your repayments based on the amount you wish to borrow.</p></div></div></div><div class="col-span-1"><div class="shadow-card rounded-lg pl-12 pr-3 py-3 relative h-full lg:py-4"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" class="fill-cerulean w-5 h-5 absolute left-3 top-4"><path d="M22.862 23.931V0L0 23.931z"/></svg><div><p>See the effects different interest rates and loan periods can have.</p></div></div></div><div class="col-span-1"><div class="shadow-card rounded-lg pl-12 pr-3 py-3 relative h-full lg:py-4"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" class="fill-cerulean w-5 h-5 absolute left-3 top-4"><path d="M22.862 23.931V0L0 23.931z"/></svg><div><p>Learn if you need to increase your borrowing power before applying.</p></div></div></div><!--]--><!--]--></div></div><!--]--></div><div class="grid grid-cols-4 md:grid-cols-12 gap-4 lg:gap-8 max:gap-10 mt-10 lg:mt-12"><!--[--><div class="col-span-full lg:col-span-6 lg:col-start-4 text-center"><div class="mb-6 md:mb-8 text-base md:text-body description"><!--[--><!--]--></div><!--[--><!--]--></div><!--]--></div><!--]--></div></div><div id class="my-10 lg:my-20"><div class="max:container w-full mx-auto px-4 md:px-8 lg:px-10 print:hidden"><!--[--><div class="grid grid-cols-4 md:grid-cols-12 gap-4 lg:gap-8 max:gap-10" multirow><!--[--><div class="text-center col-end-13 col-start-1 mx-auto"><h3 class="font-heavy text-h3-sm md:text-h3 font-nexa text-deep-sapphire md:text-h3 mb-4 md:mb-5">Ready to get moving?</h3><p class="text-center text-body text-font-grey font-normal pb-6">Wherever you are in your journey, help is here however you need it.</p></div><!--[--><div class="col-span-12 md:col-span-4"><div class="relative bg-white shadow-card hover:shadow-card-hover transition-shadow duration-200 ease-in-out p-5 rounded-xl h-full"><a href="/about-us/find-an-adviser" class="cursor-pointer"><!--[--><h4 class="font-heavy text-h5 mb-5" style="color:#3A92CB;">Contact a trusted adviser</h4><!--]--></a><p class="pb-16">Your local Liberty Adviser will be able to look at your lending options and help you decide the best way forward.</p><div class="absolute bottom-4"><!--[--><a href="/about-us/find-an-adviser" class="inline-flex items-center justify-center rounded-lg transition-colors duration-200 ease-in-out cursor-pointer text-button-sm h-[38px] py-2 px-4 border-2 hover:underline focus:underline active:underline text-deep-sapphire border-deep-sapphire print:hidden max-w-full cursor-pointer max-w-full" data-v-bb2882cf><!--[--><!--[-->Find my local adviser<!--]--><!--]--><!--[--><!--]--></a><!--]--></div></div></div><div class="col-span-12 md:col-span-4"><div class="relative bg-white shadow-card hover:shadow-card-hover transition-shadow duration-200 ease-in-out p-5 rounded-xl h-full"><a href="/home-loans/indicative-pre-approval" class="cursor-pointer"><!--[--><h4 class="font-heavy text-h5 mb-5" style="color:#3A92CB;">Get online pre-approval</h4><!--]--></a><p class="pb-16">Move ahead with confidence. Our online indicative pre-approval tool gives you an answer instantly. It's fast and fuss free.</p><div class="absolute bottom-4"><!--[--><a href="/home-loans/indicative-pre-approval" class="inline-flex items-center justify-center rounded-lg transition-colors duration-200 ease-in-out cursor-pointer text-button-sm h-[38px] py-2 px-4 border-2 hover:underline focus:underline active:underline text-deep-sapphire border-deep-sapphire print:hidden max-w-full cursor-pointer max-w-full" data-v-bb2882cf><!--[--><!--[-->Get indicative pre-approval<!--]--><!--]--><!--[--><!--]--></a><!--]--></div></div></div><div class="col-span-12 md:col-span-4"><div class="relative bg-white shadow-card hover:shadow-card-hover transition-shadow duration-200 ease-in-out p-5 rounded-xl h-full"><a href="/about-us/contact-us" class="cursor-pointer"><!--[--><h4 class="font-heavy text-h5 mb-5" style="color:#3A92CB;">Request a call back</h4><!--]--></a><p class="pb-16">Enter your contact details and a Liberty Adviser will be in touch to help you crunch the numbers.</p><div class="absolute bottom-4"><!--[--><a href="/about-us/contact-us" class="inline-flex items-center justify-center rounded-lg transition-colors duration-200 ease-in-out cursor-pointer text-button-sm h-[38px] py-2 px-4 border-2 hover:underline focus:underline active:underline text-deep-sapphire border-deep-sapphire print:hidden max-w-full cursor-pointer max-w-full" data-v-bb2882cf><!--[--><!--[-->Request a call back<!--]--><!--]--><!--[--><!--]--></a><!--]--></div></div></div><!--]--><!--]--></div><!--]--></div></div><div id class="my-10 lg:my-14 print:hidden"><div class="max:container w-full mx-auto px-4 md:px-8 lg:px-10"><!--[--><div class="grid grid-cols-4 md:grid-cols-12 gap-4 lg:gap-8 max:gap-10"><!--[--><div class="col-end-13 col-start-1 lg:col-start-3 lg:col-end-11"><h3 class="font-heavy text-h3-sm md:text-h3 font-nexa mt-6 text-deep-sapphire mb-12 text-center">Borrowing power calculator FAQs</h3><!----><ul><!--[--><li class="border-grey-400 border-t first:border-b-0 last:border-b" data-v-81d4659d><div data-v-81d4659d><h4 class="text-body md:text-h5 font-bold text-font-gray" data-v-81d4659d><button type="button" class="relative pr-8 py-3 px-0 sm:py-5 sm:pl-5 w-full text-gray-500 text-left font-medium" data-v-81d4659d>What is borrowing power? <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 448 512" class="w-5 fill-deep-sapphire absolute right-0 top-1/2 -translate-y-1/2" data-v-81d4659d=""><path d="M400 288H48c-17.69 0-32-14.32-32-32.01S30.31 224 48 224h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288"/></svg></button></h4></div><div style class="description overflow-hidden" data-v-81d4659d><div class="sm:px-5 sm:pb-5" data-v-81d4659d><!--[--><!--[--><div class="richtext"><div class="richtext wysiwyg"><div class="wysiwyg"><!--[--><p>The term ‘<a href="/blog/loan-school/understanding-your-borrowing-power" class="text-persian-blue underline hover:no-underline"><!--[-->borrowing power<!--]--></a>’ <span style="color: ">is used to describe how much you can borrow from a lender based on your financial situation. The more borrowing power you have, the higher credit limit or loan amount you are likely to get. Having a healthy deposit, strong credit history, and a low debt-to-income ratio generally means more borrowing power. Other factors such as loan terms and interest rates can also impact your borrowing power.</span></p><!--]--></div></div></div><!--]--><!--]--></div></div></li><li class="border-grey-400 border-t first:border-b-0 last:border-b" data-v-81d4659d><div data-v-81d4659d><h4 class="text-body md:text-h5 font-bold text-font-gray" data-v-81d4659d><button type="button" class="relative pr-8 py-3 px-0 sm:py-5 sm:pl-5 w-full text-gray-500 text-left font-medium" data-v-81d4659d>How do you calculate borrowing power? <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 448 512" class="w-5 fill-deep-sapphire absolute right-0 top-1/2 -translate-y-1/2" data-v-81d4659d=""><path d="M400 288H48c-17.69 0-32-14.32-32-32.01S30.31 224 48 224h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288"/></svg></button></h4></div><div style class="description overflow-hidden" data-v-81d4659d><div class="sm:px-5 sm:pb-5" data-v-81d4659d><!--[--><!--[--><div class="richtext"><div class="richtext wysiwyg"><div class="wysiwyg"><!--[--><p>Different lenders have their own formulas to calculate borrowing power, but our useful online borrowing power calculator can provide an estimate of how much you might be able to borrow. Keep in mind that factors other than your credit history or hard financial numbers can impact your borrowing power. Your lender may look at things like your number of dependents, or any resale risks associated with the type of purchase you are looking to make.</p><!--]--></div></div></div><!--]--><!--]--></div></div></li><li class="border-grey-400 border-t first:border-b-0 last:border-b" data-v-81d4659d><div data-v-81d4659d><h4 class="text-body md:text-h5 font-bold text-font-gray" data-v-81d4659d><button type="button" class="relative pr-8 py-3 px-0 sm:py-5 sm:pl-5 w-full text-gray-500 text-left font-medium" data-v-81d4659d>Does my deposit amount affect my borrowing power? <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 448 512" class="w-5 fill-deep-sapphire absolute right-0 top-1/2 -translate-y-1/2" data-v-81d4659d=""><path d="M400 288H48c-17.69 0-32-14.32-32-32.01S30.31 224 48 224h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288"/></svg></button></h4></div><div style class="description overflow-hidden" data-v-81d4659d><div class="sm:px-5 sm:pb-5" data-v-81d4659d><!--[--><!--[--><div class="richtext"><div class="richtext wysiwyg"><div class="wysiwyg"><!--[--><p>When it comes to <a href="/home-loans" class="text-persian-blue underline hover:no-underline"><!--[-->home loans<!--]--></a>, <span style="color: ">your deposit amount can impact your borrowing power. All other things being equal, the higher your deposit amount, the more borrowing power you have. For a 30-year mortgage with a low interest rate, some lenders may want to see somewhere between a 10-20% deposit. Other lenders offer home loans requiring as little as a 5% deposit. While this may mean a slightly higher interest rate, it could help you get into your new home sooner.</span></p><!--]--></div></div></div><!--]--><!--]--></div></div></li><li class="border-grey-400 border-t first:border-b-0 last:border-b" data-v-81d4659d><div data-v-81d4659d><h4 class="text-body md:text-h5 font-bold text-font-gray" data-v-81d4659d><button type="button" class="relative pr-8 py-3 px-0 sm:py-5 sm:pl-5 w-full text-gray-500 text-left font-medium" data-v-81d4659d>Can I increase my borrowing power? <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 448 512" class="w-5 fill-deep-sapphire absolute right-0 top-1/2 -translate-y-1/2" data-v-81d4659d=""><path d="M400 288H48c-17.69 0-32-14.32-32-32.01S30.31 224 48 224h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288"/></svg></button></h4></div><div style class="description overflow-hidden" data-v-81d4659d><div class="sm:px-5 sm:pb-5" data-v-81d4659d><!--[--><!--[--><div class="richtext"><div class="richtext wysiwyg"><div class="wysiwyg"><!--[--><p><span style="color: ">As the borrowing power calculator shows, how much you can borrow depends on a range of factors including your income, assets, and current living expenses. If the borrowing power calculator did not give you the answer you were hoping for, it might be time to make some adjustments to increase your borrowing power. </span>Speaking with a <a href="/about-us/find-an-adviser" class="text-persian-blue underline hover:no-underline"><!--[-->Liberty Adviser<!--]--></a> is a great first step.</p><!--]--></div></div></div><!--]--><!--]--></div></div></li><li class="border-grey-400 border-t first:border-b-0 last:border-b" data-v-81d4659d><div data-v-81d4659d><h4 class="text-body md:text-h5 font-bold text-font-gray" data-v-81d4659d><button type="button" class="relative pr-8 py-3 px-0 sm:py-5 sm:pl-5 w-full text-gray-500 text-left font-medium" data-v-81d4659d>Does equity increase my borrowing power? <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 448 512" class="w-5 fill-deep-sapphire absolute right-0 top-1/2 -translate-y-1/2" data-v-81d4659d=""><path d="M400 288H48c-17.69 0-32-14.32-32-32.01S30.31 224 48 224h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288"/></svg></button></h4></div><div style class="description overflow-hidden" data-v-81d4659d><div class="sm:px-5 sm:pb-5" data-v-81d4659d><!--[--><!--[--><div class="richtext"><div class="richtext wysiwyg"><div class="wysiwyg"><!--[--><p>If you own a property or other investment, you could increase your borrowing power by tapping into the equity instead of relying solely on a cash deposit. For homeownership, equity is the difference between the current market value of your property and what you still owe on your mortgage. There are a few ways to use the equity in your home, the most common uses include buying an investment property and renovating the existing property.</p><!--]--></div></div></div><!--]--><!--]--></div></div></li><!--]--></ul><span></span></div><!--]--></div><!--]--></div></div><div class="max:container w-full mx-auto px-4 md:px-8 lg:px-10 mt-14 mb-8 lg:my-12"><!--[--><span></span><!--]--></div><!--]--></div></div></div><!--]--><footer class="bg-grey-100 print:hidden"><div class="flex flex-col"><div class="order-1 pb-6 lg:pb-12 pt-8 lg:pt-16"><div class="max:container w-full mx-auto px-4 md:px-8 lg:px-10"><!--[--><div class="flex justify-between items-center"><a href="/" class aria-label="Liberty Logo"><svg xmlns="http://www.w3.org/2000/svg" width="140" height="32" fill="none" class="w-[140px]"><path fill="#0A3370" d="M55.495.618c-.524 0-1.036.158-1.47.455a2.7 2.7 0 0 0-.975 1.213 2.75 2.75 0 0 0-.15 1.56 2.7 2.7 0 0 0 .724 1.383c.37.378.843.635 1.356.739s1.046.05 1.529-.155a2.66 2.66 0 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text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Employee benefits<!--]--></a></li><li class><a href="/about-us/recruitment-process" class="cursor-pointer text-deep-sapphire text-base leading-tighter hover:underline my-3 lg:my-2"><!--[-->Recruitment process<!--]--></a></li><!--]--></ul><!--]--></div><!--]--></div><div class="be-ix-link-block"></div></div><div class="bg-grey-footer order-4 pt-12 pb-24"><div class="max:container w-full mx-auto px-4 md:px-8 lg:px-10"><!--[--><ul class="mobile:grid mobile:grid-cols-1 lg:flex lg:flex-wrap gap-4 mb-10 lg:mb-8"><!--[--><li><a href="/disclosures/privacy-policy" class="cursor-pointer text-deep-sapphire text-body-sm hover:underline"><!--[-->Privacy disclosure<!--]--></a></li><li><a href="/disclosures/responsible-lending" class="cursor-pointer text-deep-sapphire text-body-sm hover:underline"><!--[-->Responsible lending<!--]--></a></li><li><a href="/disclosures/terms-of-use" class="cursor-pointer 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hover:underline"><!--[-->Family violence policy<!--]--></a></li><li><a href="/disclosures/cdr-policy" class="cursor-pointer text-deep-sapphire text-body-sm hover:underline"><!--[-->CDR policy<!--]--></a></li><li><a href="/media-releases" class="cursor-pointer text-deep-sapphire text-body-sm hover:underline"><!--[-->Media releases<!--]--></a></li><li><a href="https://www.lfgroup.com.au" rel="noopener noreferrer" target="_blank" class="cursor-pointer flex items-center text-deep-sapphire text-body-sm hover:underline"><!--[-->Shareholder centre<!--]--></a></li><li><a href="/investments" class="cursor-pointer text-deep-sapphire text-body-sm hover:underline"><!--[-->Investments <!--]--></a></li><li><a href="/about-us/feedback-and-complaints" class="cursor-pointer text-deep-sapphire text-body-sm hover:underline"><!--[-->Feedback and complaints <!--]--></a></li><li><a href="/about-us/financial-hardship" class="cursor-pointer text-deep-sapphire text-body-sm hover:underline"><!--[-->Financial hardship<!--]--></a></li><!--]--></ul><div class="text-font-tundora text-body-sm richtext"><p><b>Our Acknowledgment</b></p><p>Liberty’s head office is located on the traditional lands of the Kulin Nation, with offices across the country. We respectfully acknowledge the Traditional Owners of the land, the Bunurong Boon Wurrung and Wurundjeri Woi Wurrung peoples of the Eastern Kulin Nation and their continuing connections to lands, waters, cultures and communities. We pay our respects to Elders past and present.</p><p>Approved applicants only. Lending criteria apply. Fees and charges are payable. Copyright © 2024 All rights reserved | Liberty Network Services Pty Ltd (ABN 65 151 158 628/Australian Credit Licence 408042) is a wholly-owned subsidiary of Liberty Financial Pty Ltd (ACN 077 248 983/Australian Credit Licence 286596). Liberty Network Services has access to products including those from Liberty Financial.</p></div><div class="text-font-tundora text-body-sm richtext"></div><div class="text-font-tundora text-body-sm richtext"></div><!--]--></div></div></div></footer></div></div><div id="teleports"></div><script type="application/json" data-nuxt-data="nuxt-app" data-ssr="true" id="__NUXT_DATA__" data-src="/home-loans/calculators/borrowing-power/_payload.json?09e5b449-5f62-4426-9adc-c02a14b6040b">[{"state":1,"once":306,"_errors":307,"serverRendered":303,"path":309,"pinia":310,"prerenderedAt":359},["Reactive",2],{"$sglobalData":3,"$ssite-config":301},{"trustpilotData":4,"productTags":149,"blogTags":211},["Ref",5],["Reactive",6],{"_uid":7,"reviews":8,"component":122,"star_image":14,"awards_main":123,"star_string":132,"trust_score":133,"awards_mobile":134,"awards_desktop":139,"trustpilot_url":143,"link_main_award":144,"number_of_reviews":148},"968a0e81-d4cc-4574-b869-f920239594a0",[9,19,27,35,44,52,61,69,77,82,87,96,101,109,114],{"_uid":10,"text":11,"title":11,"consumer":12,"component":13,"star_image":14,"adviser_url":15,"review_date":16,"adviser_guid":17,"adviser_name":18},"2461cf76-64c7-4535-b609-d2d34d88a32f","Easy service with no hassles.","Lee","trustpilot-review-card","//images-static.trustpilot.com/api/stars/5/star.svg","jennifer-cole","02 Dec 2024","6883D44F-3822-4E47-9296-5BE259414487","Jennifer Cole",{"_uid":20,"text":21,"title":22,"consumer":23,"component":13,"star_image":14,"adviser_url":24,"review_date":16,"adviser_guid":25,"adviser_name":26},"4948b7a3-dae5-4f9d-baa0-0ad630e3fee2","Great service, always updated and would highly recommend.","Great service","Nick LLOYD","michelle-denver","4C8B32BD-2A6B-4323-ABAA-3C9347122339","Michelle Denver",{"_uid":28,"text":29,"title":30,"consumer":31,"component":13,"star_image":14,"adviser_url":32,"review_date":16,"adviser_guid":33,"adviser_name":34},"fcaef0f7-0f42-41bb-b8c2-e266e15a621c","Melissa made the process smooth and stress-free. 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