Property Now
How To Increase Your Borrowing Capacity In 2026 (Broker Secrets)
Most NZ borrowers walk into one bank, get one number, and think that is the answer.
It isn't. In this episode of the Property Academy podcast, Ed and Andrew share the strategies NZ mortgage brokers use to increase borrowing capacity for property investors:
● Why the bank's lending number can shrink without any change to your income or savings
● How clearing a $10,000 student loan added $225,000 of NZ borrowing capacity for one investor
● How one NZ couple restructured their mortgage and unlocked $580,000 of additional lending
● Why an unused $10,000 credit card limit reduces your NZ borrowing by $94,000
● And the four things (affordability, price, policy, product) NZ mortgage brokers weigh when choosing between lenders
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The information and opinions on this channel are for your general information. It’s not financial advice. So the hosts aren’t telling you what to do with your own money.
We’ve made every effort to make sure the information is accurate. But we occasionally get the odd fact wrong.
Make sure you do your own research or talk to a financial adviser before making any financial decisions. See our Disclosure information here.
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