How much can you borrow vs how much should you spend. скачать в хорошем качестве

How much can you borrow vs how much should you spend.

💡 Many first home buyers assume that the bigger their deposit, the more they’ll be able to borrow. It sounds logical, but it’s not how borrowing power actually works. In this First Home Buyer Lending Series episode, Nicole explains one of the most common misunderstandings she sees when people start their home buying journey, and why confusing deposit size with borrowing capacity can quietly push buyers into the wrong purchase decisions. A bank’s borrowing limit isn’t a recommendation. It’s a ceiling. And just because a bank says you can borrow a certain amount doesn’t mean you should. Nicole breaks down how borrowing capacity is really assessed, why banks don’t all calculate it the same way, and why lifestyle, future plans, and flexibility matter far more than chasing a higher approval number. By the end of this video, you’ll understand why a bigger deposit doesn’t automatically mean more borrowing power, how lenders actually assess your limits, and why buying below your maximum can often lead to a far better outcome. You’ll learn: Why deposit size doesn’t increase borrowing capacity What banks actually look at when calculating borrowing limits Why borrowing capacity is a ceiling, not a target How debts like credit cards, car loans and HECS affect your limit Why comparing your approval to friends is misleading How future plans like kids or career changes should factor in Why buying below your maximum can protect your lifestyle The real-world impact of stretching too far after you buy How smart buyers plan for sustainability, not just approval size Chapters: 00:00 Introduction 00:39 Borrowing limits 01:50 The impact of borrowing more than they can afford 02:28 Common mistakes 04:00 What smart home buyers do 📘 Topics covered: first home buyer borrowing capacity, deposit vs borrowing power, first home buyer mistakes, how banks calculate borrowing limits, HECS and borrowing power, buying below borrowing capacity, first home buyer advice Australia, Trilogy Funding 📅 Book a finance strategy session https://www.trilogyfunding.com.au/fin... 📚 Free tools & guides: → First Home 101 video course: https://www.trilogyfunding.com.au/fir...