How Much Can I Borrow?
Don’t guess.
Get real numbers in minutes.
Your Borrowing Power Has Changed.
The market shifted. Lending criteria evolved. Stop relying on last year’s data and get your real-time borrowing limit in minutes.
Need a custom breakdown?
Our specialists are experts in the 2026 market shifts. Fill out the short form below and a mortgage specialist will be in touch shortly.
- BETTER LENDING WITH LENDABLE
Why This Year Is Different
The old rules of borrowing don’t apply anymore. While others are guessing, Lendable customers are moving with confidence because we understand the current landscape:
- Updated Regulatory Standards: We’ve integrated the latest 2026 lending shifts into our algorithm such as recent government laws around investment properties.
- Real-Time Rate Integration: Your power is calculated based on today’s live market, not last month’s averages.
- Efficiency First: No phone calls, no piles of paperwork – just the data you need to start house hunting.
BETTER LENDING WITH LENDABLE
From Dreaming to Door Keys
“I can not speak highly enough of Sarah at Lendable – she made our home owning dreams that we thought were out of reach come true. She is very responsive answering all of your questions and fully puts your mind at ease. You feel like you’re her only client as she puts so much time and effort into you. Anyone considering using Sarah you will be a valued client of hers you can’t go wrong.”
— Renee, First Home Buyers
From ‘Maybe One Day’ to ‘Moving Day’ in 4 Steps
Get Your Real Number
Forget generic calculators, we’ll assess your borrowing power based on the 2026 lending landscape. No impact on your credit score, just total clarity on what you can afford.
Choose Your Strategy
Whether you’re eyeing a 5% deposit with no LMI, planning a ‘buy with a mate’ setup, or looking to rent-vest, we’ll show you the products that fit your specific goals.
The Digital Fast-Track
Upload docs from your phone and skip the branch visits. Our tech-first approach means we’ll process your application in no time.
Lock in Your Future
Once pre-approved, you’re ready to shop with confidence. We’ll handle the heavy lifting with the banks so you can focus on where the furniture is going.
Ready to Find Out What You Can Borrow?
FAQ’s
Frequently Asked Questions
Not at all. We don’t run a credit check when estimating your borrowing power, so there is zero impact on your credit score. You get the transparency you need to shop for a home without the risk of lowering your rating.
Lending standards have shifted to account for new debt-to-income ratios and updated regulatory requirements implemented this year. We have fully integrated these new 2026 benchmarks into our real-time calculations.
To get your initial estimate, you don’t need any paperwork. Just enter your basic income and target home price. If you choose to move forward with a pre-approval, we’ll guide you through a digital-first process to verify your details.
That’s actually a great sign! Many of our lenders view a strong history of on-time rent payments as proof that you can handle a mortgage. We love helping “rent-trapped” buyers wave goodbye to their landlords for good.
Why Choose Lendable For Your Home Loan Journey?
We Think Outside the Box
If the traditional route doesn’t work for you, we lean into creative strategies to find a lender hungry for your business.
No Bank Jargon
We break down every rate, high-LVR fee, and feature upfront so you know exactly what your commitments are.
We Move Fast
The property market doesn’t wait, and neither do we. We’ll assess your real borrowing power in minutes.
Client Reviews
Buying a home is one of the biggest financial moves you’ll ever make, and we’re committed to making the process simple, strategic, and stress-free. From first home buyers getting into the market sooner to investors growing their portfolios with confidence, our clients’ reviews reflect what we stand for: clear advice, genuine support, and brokers who go the extra mile to make things happen.
Trustindex verifies that the original source of the review is Google. We’ve had the best help and advice from Sarah—I honestly couldn’t recommend her enough! Sarah has been punctual, professional, and has gone above and beyond every step of the way to help us achieve what we needed. She made what could have been a stressful process feel seamless, straightforward, and incredibly easy from start to finish. Her communication was excellent, she always took the time to answer our questions, and we felt supported throughout the entire journey. If you’re looking for a mortgage broker who genuinely cares and works hard for her clients, Sarah is the person to call. Thank you so much for everything—we truly appreciate all your hard work!Posted on GoogleTrustindex verifies that the original source of the review is Google. Sarah made it easy for us twice now. Highly recommendPosted on GoogleTrustindex verifies that the original source of the review is Google. We honestly could not recommend Sarah enough. As first home buyers, we honestly knew NOTHING going into this process 😅 and at times it all felt really overwhelming. But from the very beginning, Sarah made everything feel so much easier. No question was ever too silly or too small - and trust me, I had a LOT of questions. Every single time, she answered with patience, kindness and genuine care, and always made me feel comfortable asking anything. Sarah gave us all the information we needed every step of the way, explained everything clearly, kept us updated constantly, and made sure we actually understood the process instead of feeling lost in it all. Buying your first home is emotional, stressful and exciting all at once, but Sarah was there through every high and low. What really stood out was how much she genuinely cared. We never felt like “just another client.” She celebrated the wins with us, reassured us through the stressful moments, and made us believe this dream was actually possible. Honestly, Sarah has become more than just our mortgage broker - she’s now the friend I call to figure out if I’m doing life correctly 😂 and that says everything about the kind of person she is. If you are looking for a mortgage broker who is knowledgeable, supportive, hardworking and genuinely invested in helping people achieve their goals, go through Sarah. She doesn’t just help with loans - she helps make real dreams happen. Sarah is 100% our mortgage broker for life, and we truly, truly appreciate everything she has done for us and our family. We are forever grateful 🤍Posted on GoogleTrustindex verifies that the original source of the review is Google. I had an amazing experience working with Sarah from Lendable throughout the process of securing both my block and finance for my new build in Darwin as well as refinancing two of my properties. From the very beginning, Sarah was professional, knowledgeable, and incredibly supportive. She made what could have been a stressful process feel smooth and manageable, always taking the time to explain everything clearly and keep me updated along the way. Sarah went above and beyond to help me find the best finance option and worked hard to ensure everything progressed as quickly and efficiently as possible. Her communication was excellent, and I always felt confident knowing she was handling everything behind the scenes. I am so grateful for all of Sarah’s help and would highly recommend her to anyone looking for a broker who genuinely cares about her clients and delivers exceptional service.Posted on GoogleTrustindex verifies that the original source of the review is Google. We were referred to Tania from Lendable through Easystart Homes, and from the beginning she was welcoming, professional, and highly knowledgeable. She took the time to understand our situation and what we wanted to achieve, which made the entire process feel personalised and stress-free. All of the documentation she provided was well structured, clear, and easy to understand. After just two meetings, we were able to submit our loan application and received approval without any issues. We are extremely happy with the support and service Tania provided throughout the process and would highly recommend her to anyone looking for a reliable and supportive broker.Posted on GoogleTrustindex verifies that the original source of the review is Google. We worked with Tania for around a year from start to finish. From when we initially landed in Australia through to being in a position to buy, and to settlement. Couldn't recommend her enough.Posted on GoogleTrustindex verifies that the original source of the review is Google. Tania made the journey of purchasing our first home smooth and easy. She was professional, helpful, and supportive throughout the whole process. Highly recommend. ⭐️⭐️⭐️⭐️⭐️Posted on GoogleTrustindex verifies that the original source of the review is Google. We first met with Tania in September 2025 when we were looking into buying our first home. From the very beginning, she guided us through the entire process, from getting pre-approval from the bank, providing us with our letter of eligibility, helping us work towards building our first home and securing formal approval as fast as possible. We had absolutely no idea where to start, but Tania was so patient and willing to explain and educate us on everything along the way. There was never such a thing as a silly question, and she was always happy to answer anything we asked. Tania made what could have been a very overwhelming process feel so much easier and less stressful. We are so grateful for all of her help and support, and we would choose Tania over and over again. Highly recommend!Posted on GoogleTrustindex verifies that the original source of the review is Google. Where do I begin! Tania was absolutely amazing with our journey through the finance side of building, she kept us informed and only wanted the best results possible for our finance. Tania went over and beyond with every aspect of this stage and we can’t possibly thank her enough! You would benefit greatly if you have Tania on your team!
Ready to See Your Numbers?
Our mortgage specialists can walk you through your options and help you understand exactly what you can borrow.
