Your borrowing power is the foundation of your property purchasing journey. In 2026, lenders are scrutinizing applications more closely than ever. Here's how you can maximize your borrowing capacity and secure the property you want.

1. Reduce Your Credit Card Limits

Lenders assess your borrowing power based on your total credit limits, not just your current balances. By reducing the limits on credit cards you don't fully utilize, you can significantly increase your borrowing capacity.

2. Minimize Discretionary Spending

In the months leading up to your application, carefully monitor your living expenses. Lenders will review your bank statements to understand your spending habits. Cutting back on non-essential expenses like dining out and entertainment can present a stronger financial profile.

3. Consolidate Existing Debts

If you have multiple personal loans or car loans, consider consolidating them. A single, lower-interest loan can reduce your monthly commitments and improve your debt-to-income ratio.

4. Save a Larger Deposit

While this seems obvious, a larger deposit not only reduces the amount you need to borrow but also demonstrates strong saving discipline, making you a more attractive candidate to lenders.

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