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Kasana Finance

Insights

Plain-English guides to borrowing in Australia, written by brokers who submit these applications every week.

  • Home loans
  • Visa lending
  • Brokers
  • Money basics
  • Vehicle & asset

Home loans8 min read

How Much Can I Borrow in Australia? Borrowing Power Explained

Borrowing power is not your salary multiplied by a number. Here is what an Australian lender actually counts, what it ignores, and why the figure a calculator gives you is usually optimistic.

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The short answer

Borrowing power in Australia is set by serviceability, not salary alone. A lender takes your assessable income, subtracts living expenses and existing commitments, then tests whether you could still repay at an assessment rate roughly three percentage points above the actual rate. Two lenders can differ by well over $100,000 on identical figures.

Visa lending

Home Loans on a 491 Visa: Which Lenders Accept Them

Subclass 491 holders are not treated as foreign buyers by every lender, and the difference between a resident-rate loan and a foreign-buyer product is enormous. Here is how the panel actually splits.

7 min

Brokers

Mortgage Broker vs Bank in Australia: Which Costs Less?

Brokers are usually free to the borrower and paid by the lender. That raises a fair question about incentives. Here is how the money moves, and where a broker genuinely changes the outcome.

6 min

Money basics

What Is LVR and How Does It Change Your Interest Rate?

Loan to value ratio is the single number that decides whether you pay Lenders Mortgage Insurance, which rate tier you land in, and how much of the lender panel will look at your file.

5 min

Vehicle & asset

No Deposit Truck Finance for a New ABN: What Lenders Require

Financiers commonly want a 20% deposit from a new business. No deposit truck finance exists, but it trades the deposit for other forms of comfort. Here is what those are.

6 min

Home loans

First Home Buyer Help in Australia: Grants, Concessions and Lenders

Grants and stamp duty concessions differ by state and change regularly. What matters just as much is how a lender treats that money inside your application.

7 min

Reading is not an application

If a guide raised a question about your own situation, a broker can answer it against real lender policy in one call.

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