Borrowing capacity depends on your income, living expenses, existing debts, number of dependants, and deposit. The same applicant can get meaningfully different results from different lenders, because each lender applies different policies. Paddy assesses your situation against 40+ lenders to identify the one that will give you the best capacity for your specific income structure. For a rough estimate, use our borrowing power calculator — then book a call for a lender-specific figure.