Guides

Finance explained.

Educational articles written and maintained by the Capital Route Editorial Team, updated when the underlying information changes.

Educational information — not personalised financial advice.

How much can I borrow for a home?

Borrowing capacity is shaped by income, expenses, existing debts and lender policy. Here is how the pieces fit together.

Deposit size affects your loan-to-value ratio, whether lenders mortgage insurance applies, and the total upfront cash you need.

Fixed and variable rates manage different risks. The right structure depends on how much certainty you want and what features you use.

Refinancing is a means to an end. It is worth looking at the whole picture rather than the headline rate alone.

An offset account reduces the balance your interest is calculated on. Here is the mechanics, plus what to watch for.

LVR compares your loan to the property value. It influences pricing, insurance and which products are available.

Once the guides have done their job, you can ask to be connected with a finance professional.