BorrowingCapacity.ai was founded with a clear mission: to help Australian Mortgage brokers help understand their true borrowing potential when applying for a home loan. We recognized that many brokers did not understand the new student debt policies with some select lenders, which can significantly impact your ability to secure a mortgage.
Our suite of financial tools implements the latest alternative servicing methods recognized by major lenders. This helps you present a more accurate picture of your financial situation and potentially increase your borrowing capacity when applying for a home loan.
The HECS/HELP Alternative Servicing Calculator is our flagship tool, providing detailed analysis of how your student debt affects your borrowing power and exploring options to maximize your potential.
BorrowingCapacity.ai was developed by mortgage and finance professionals who understand the challenges faced by Australians with student debt. Our team combines expertise in lending, financial analysis, and technology to create tools that provide genuine value to home loan applicants.
We're committed to providing accurate, transparent, and helpful information to help you navigate the home loan process. Our calculators are designed to give you realistic estimates based on current lending practices in Australia.
While our tools provide valuable insights, we are not responsible for the tools outputs, we always recommend consulting with a qualified mortgage broker or financial advisor for personalized advice tailored to your specific situation. These tools are designed for qualified Mortgage Brokers.