Why Banks Lend Your Neighbour More Than You (3 Levers That Move Borrowing Power)

Your borrowing power isn't a fixed number — it's the output of one lender's calculator on one version of your file. This is how to increase your borrowing power in Australia from the broker's side of the desk: the real file that went from $600,000 to $830,000 without a pay rise, and the levers that did it. Covered: how banks actually calculate borrowing capacity (income shading, commitments, HEM living expenses, the 3% assessment buffer), the credit card limit mistake costing six figures, HECS and your borrowing power, car loans and novated leases, the expense "hacks" that do nothing, the income you're not getting credit for — and why the same file can be worth six figures more at a different lender. 📅 Book a time with Richard's team at Freedom Funding (same link as the QR code in the video): https://calendly.com/freedomfunding?u... About Richard — Richard Morgan is a mortgage broker of 8 years, an Australian property investor of 20, and co-founder of Freedom Funding. Across that time he's sat inside well over a billion dollars of lending and finance conversations. The client file in this video is real, de-identified. General information only — Nothing in this video takes into account your income, goals, assets or personal circumstances, and nothing in it should be treated as advice for you specifically. Richard's licence is for mortgage broking — the loan and structure side. For tax, super and investment strategy, work with a licensed financial adviser and an accountant alongside your broker. Treat this video as a framework to think with, not a plan to act on.