Most people think a home loan comes down to one question: can you afford the repayment today.⁠

17 September 2026

Most people think a home loan comes down to one question: can you afford the repayment today.⁠ ⁠ That's not how the bank sees it.⁠ ⁠ Under APRA's serviceability framework, lenders assess your capacity at a buffered rate, often effectively around 9%. Not because they think you can't manage now. Because they're testing what happens later.⁠ ⁠ This is why borrowing capacity isn't a formality. It's the calculated move that comes before the property search, not after.⁠ ⁠ Work out what you can actually borrow first. Then look at what's on the market.⁠ ⁠ General information only. This isn't financial advice, speak with a qualified professional about your situation.⁠ ⁠ #CapilaFinance #lendingspecialist #finance #financespecialist