At Velox Capital, we make it easier to plan your property or investment journey with our Borrowing Power Calculator. This simple tool helps you understand how much you may be able to borrow based on your income, expenses, and financial commitments. Whether you are buying your first home, upgrading, or looking at investment property finance, the calculator gives you a clear starting point.
Using a calculator is a valuable first step in planning your next move, whether that is buying a home, refinancing, or expanding your investment portfolio. It provides an indication of what may be possible, but it is not the full picture. Every client has unique circumstances, and lenders assess a range of factors beyond what an online calculator considers.
At Velox Capital, we use the calculator as a starting point and then go deeper. We review your full financial position, explore multiple lender options, and structure the loan in a way that supports both your short-term needs and long-term goals.
Your borrowing capacity depends on a number of key factors. Some of the most common include:
Knowing these factors can help you prepare before making a loan application and highlight areas where you may be able to improve your borrowing capacity.
It is important to understand the difference between borrowing power and loan pre-approval. A Borrowing Power Calculator provides an estimate, while a pre-approval involves a lender formally assessing your application and verifying your documents.
Pre-approval gives you a clear budget to work with and shows sellers or agents that you are serious. At Velox Capital, we can guide you from calculator results all the way through to pre-approval and final loan settlement, ensuring the process is clear and stress-free.
The Borrowing Power Calculator is a helpful starting point, but every client’s situation is unique. At Velox Capital, we go beyond online tools to provide tailored lending advice. We assess your full financial picture, present multiple loan options, and explain the pros and cons of each. Our goal is to simplify the process and ensure you are confident in your next financial move.
With access to a wide network of lenders and years of experience across residential, investment, commercial, and SMSF lending, we can help you turn the numbers into real opportunities.
Clients choose Velox Capital for more than just loan approvals. They value our responsiveness, clear communication, and ability to simplify even the most complex financial situations. We provide client-first service that is transparent and reliable, ensuring you feel supported from your first enquiry to settlement and beyond.
Our brokers fight for the best outcome, presenting multiple tailored options so you can make informed decisions with confidence. We are invested in building long-term relationships, not just one-off transactions.
Use our Borrowing Power Calculator to get an idea of your borrowing capacity, then speak with our team for personalised advice. Together, we will find the lending solution that aligns with your goals.
Velox Capital is your trusted Sydney-based finance partner, simplifying complex processes and helping clients make smarter financial decisions.
A Borrowing Power Calculator estimates the amount a lender may be willing to loan you. It takes into account key details such as your income, debts, and living expenses to give you an indication of your borrowing capacity. While the result is only a guide, it helps you make informed decisions before speaking with a broker or lender.
A Borrowing Power Calculator provides an estimate based on the information you enter, such as income, expenses, and debts. While it is a useful guide, lenders may assess additional factors such as your credit history, employment type, and savings when determining your actual borrowing capacity.
No, using our Borrowing Power Calculator does not affect your credit score. It is an online tool designed to give you an indication of your potential borrowing power without leaving any mark on your credit file.
Each lender has their own policies and criteria when assessing a loan application. A Borrowing Power Calculator gives you a general idea, but Velox Capital helps you compare multiple lenders to find the best option for your financial situation.
You will need to provide details such as your income, living expenses, any current debts or credit cards, and the size of your deposit. The more accurate the information, the more reliable the estimate.
Yes, our Borrowing Power Calculator can give you an estimate whether you are applying for a home loan, investment loan, or refinancing. It is a great way to plan your borrowing strategy before speaking with one of our brokers.
