How to Boost Your Borrowing Power in 2025
Want to borrow more for your first home in 2025? There’s more to it than just earning a bigger salary.
Banks look at everything — and the difference between getting approved for $580k or $660k could come down to your spending, your structure, or your strategy.
We’ll show you how to boost your borrowing power without overextending yourself.
🔍 What Lenders Look At
To work out what you can borrow, banks assess:
Your income (PAYG, bonuses, side hustles)
Your expenses (rent, food, transport, subscriptions)
Your debts (credit cards, car loans, HECS)
Your deposit size
Your credit history
Even two people with the same income can get very different results based on these factors.
💡 7 Ways to Boost Borrowing Power
1. Ditch or reduce credit cards
Even unused credit limits can reduce your borrowing capacity.
2. Close out Buy Now Pay Later accounts
Afterpay, Zip, etc. count as liabilities — even if you use them responsibly.
3. Cut discretionary spending (temporarily)
Banks love a low-spend month. Clean up the Uber Eats and random subscriptions.
4. Increase your deposit
Every extra $1k you save = more options (and possibly better rates).
5. Consolidate or pay down debt
Lower debt = higher borrowing limit.
6. Add a co-borrower
Two incomes are better than one — even if one is part-time or casual.
7. Use a broker who knows what each lender values
Some banks love overtime. Some hate bonuses. Some ignore HECS. We match you with the right one.
👥 Real Story: Daniel in Glenroy
Daniel was on $85k with a 5% deposit, and his bank capped him at $540k.
We:
Helped him reduce his credit limit
Paired him with a lender that included his overtime
Got him approved for $620k
“No one tells you this stuff unless you’ve got a good broker. Nude made the numbers make sense.”
🧠 Strategy Matters
It’s not about maxing out your limit. It’s about:
Understanding what you can borrow
Knowing what you should borrow
Structuring your loan to work for your future
That’s what we do at Nude.
✅ Want to See What You Could Really Borrow?
Let’s crunch the numbers together.
👉 [Book your free borrowing power session with Nude Home Loans]
