Borro resources

Borrowing intelligence for Australian buyers.

Start with borrowing power, then move through lender policy, property cycles, tax settings, and the costs that shape a mortgage decision.

Borrowing powerLifestyle propertyProperty marketProperty investingProperty policyBuying costs

Start here

Flagship guide

How much can I borrow for a home loan in Australia?

A practical guide to borrowing power, lender serviceability, and why your capacity can change from one bank to the next.

Borrowing power changes materially between lenders because each bank applies different serviceability rules.

Income is only one part of the assessment; debts, credit-card limits, dependants, expenses, deposit and loan purpose all matter.

A useful borrowing estimate should help you compare lender policy, repayment comfort and purchase readiness before you apply.

Resource library

Guides, explainers and calculators

Lifestyle property

Buying acreage in Australia: where lifestyle blocks still make sense

A guide to one-to-three-acre lifestyle properties near Brisbane, regional NSW, Victoria, South Australia and WA, and why young Australians are looking beyond the capitals.

10 min read · Updated 30 May 2026

Property market

The Australian property clock explained: where are we right now?

A plain-English guide to the Australian property cycle, what drives it, and why borrowing readiness matters more than perfect timing.

8 min read · Updated 30 May 2026

Property investing

Negative gearing explained, with a free negative gearing calculator

Understand negative gearing in Australia, estimate the cash-flow impact, and model the after-tax holding cost of an investment property.

9 min read · Updated 30 May 2026

Borrowing power

What lenders include in serviceability

A practical guide to the income, debts, expenses, buffers, and living-cost assumptions that shape borrowing capacity.

5 min read · Updated 30 May 2026

Property policy

Budget 2026 and property: what the negative gearing changes mean

A plain-English view of the 2026-27 Budget changes to negative gearing and what they may mean for investors and owner-occupiers.

6 min read · Updated 30 May 2026

Buying costs

Settlement costs when buying property in Australia

A breakdown of common property purchase costs, including stamp duty, LMI, registration, conveyancing, inspections, and settlement adjustments.

5 min read · Updated 30 May 2026