Episode 114 - 3 Real Client Scenarios: How We Helped Buyers Get Approved With Low Borrowing Capacity

In today’s episode, Maryanne shares three real-life stories from the last few weeks where clients were struggling with low borrowing capacity — and how strategic planning, smart restructuring, and thinking outside the box helped them move from “I don’t think I can buy yet” to “We’re officially homeowners!” If you’ve been told your borrowing capacity isn’t enough, this episode will help you see that you still have options — and that the dream might be closer than you think. ⭐ What You’ll Learn in This Episode: 1. How clearing debt can completely change borrowing capacity Maryanne walks through a recent scenario where a client had a decent deposit but high credit card and personal loan balances holding them back.You’ll hear:Why lenders heavily penalise debt in servicing calculationsHow using a portion of your deposit to clear debt can increase your borrowing capacityThe surprising before-and-after difference for this client2. How property share/co-buying helped two siblings get into the market sooner Buying alone wasn’t possible — but buying together was.In this story, Maryanne shares:How combining borrowing power opened up more optionsWhy co-buying can be a smart stepping stone to your long-term goalsHow the pair structured the loan and made the purchase work for both incomes and lifestyles3. How investing instead of buying to live in unlocked a realistic entry point Some clients can’t afford the suburb they want right now, but that doesn’t mean they can’t start building wealth.In this scenario, you’ll learn:How “rent where you want, buy where you can afford” changed everythingHow purchasing a more affordable investment property created a strategic entry into the marketThe longer-term plan we set up so they can upgrade into a home they love later💡 The Big Takeaway Low borrowing capacity doesn’t mean your dream is over — it simply means we need the right strategy. There’s almost always a path forward when you understand how lenders think and what levers can be pulled. 📌 Episode HighlightsThe ONE thing lenders care about most when calculating how much you can borrowWhy reducing debt can improve borrowing more than increasing your incomeWhen co-buying makes sense — and when it doesn’tWhy investing first is sometimes the smarter, faster moveThe mindset shift that helps buyers get into the market soonerReal results from real clients (no theory, no fluff)🎧 Listen Now This episode is perfect for:First home buyersSelf-employed buyersAnyone who’s been told “you can’t borrow enough right now”People feeling stuck or overwhelmed by lending rules🔗 Links & ResourcesBook an appointment with Maryanne: https://calendly.com/360mortgagesolutionsFollow along on Instagram & Facebook for tips🙌 If You Enjoyed This Episode… Please follow, subscribe, and leave a review — it helps more first home buyers find the guidance they need.