While the RBA has held rates steady, lenders haven’t exactly loosened up.Servicing calculators remain tight, and every bank has its own take on income, expenses, and policy exceptions.

That’s why understanding how lenders assess you matters just as much as the rate they offer.

For example:

• Overtime, commissions, or bonuses might be shaded differently across lenders
• Credit card limits (even unused ones) can impact borrowing capacity
• Living expense benchmarks have become stricter since mid-2024

So even if rates hold, your borrowing power can shift depending on how you’re assessed.

Finselect helps you navigate those differences so you can move forward with confidence, not guesswork.

Thinking of reviewing your borrowing power this quarter? It might be higher (or lower) than you think.