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Unlock Your Borrowing Capacity and Buy Sooner

Get the Borrowing Capacity Playbook and learn six practical hacks that add serious buying power without guesswork.
  • Eliminate silent borrowing killers like unused limits.
  • Restructure loans so calculators prefer your profile.
  • Pick lenders and sequence applications for approvals.
  • Scale with rentvesting, trusts and SMSF the sensible way.
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No obligations. Just honest advice to help you buy right.

As seen in · Awards · 5,000 plus investors use our frameworks.

Why most investors stall at two properties

You earn well, but banks keep saying no. Credit card limits you do not even use and messy statements are holding you back. Loan structures work against you, and every lender seems to play by different rules. It is frustrating to miss deals when you know you could hold more.

Principle: Buying your next property should reward disciplined planning, not punish you for invisible rules

Guided by a buyers’ agent who has done it

  • 18 property personal portfolio built on a median salary
  • $200m plus guided purchases
  • Award winning, independent buyers’ agency
  • GPS Framework used by 5,000 plus investors​​​​​​​
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📞 Book a FREE 1-on-1 Strategy Call
No obligations. Just honest advice to help you buy right.
Property portfolio management, Northern Beaches Buyers Agent Property portfolio management, Northern Beaches Buyers Agent
Rasti Vaibhav

Your three-step plan

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Download the Playbook and see which six hacks apply to you.
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Tick the interactive checklists to tidy spending, restructure loans and pick the right lender path.
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Act with confidence using the ready to apply prep list.
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No fluff. Just the steps and scripts you need.

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What is inside the Playbook
  • Hack by hack interactive checklists with tick boxes and date fields
  • Grey box case studies that show capacity shifts
  • Short scripts for banks and property managers
  • Ready to apply pack list to speed approvals
“Same income, smarter structure, totally different outcome.”​​​​​​

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The cost of waiting

  • Lose serviceability to unused limits and messy statements
  • Miss policy windows and well priced deals
  • Stay capped at two properties

The payoff

  • Cleaner approvals with less back and forth
  • Structures calculators prefer on paper
  • A clear path from pre approval to settlement

Real results

 Personalised Care: 

 
 Amy: Cut unused card limits and added about $90k capacity within days.
 

 Ongoing Education: 

 
 James: Policy fit unlocked roughly $250k and a cash flow positive duplex.
 

 Independent Advice: 

 
 Sonia: Switched to P plus I and gained nearly $200k capacity with no pay rise.
 

FAQs

Yes. The checklists cover what lenders want to see, including stable income evidence and how to present statements.

No. It is general education. Always seek advice from a licensed broker and qualified accountant.

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Ready to unlock more borrowing power?

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An award-winning buyers agency...

Borrowing capacity in Australia

Buying across Australia requires a clear approach to serviceability. The Borrowing Capacity Playbook shows Australian investors how to lift borrowing capacity with six practical hacks that work nationwide. Clean up unused credit limits, present tidy bank statements and structure loans so they test well under lender calculators used across the major banks and non‑banks.​​​
Whether you are targeting Sydney or Melbourne metro, Brisbane and South East Queensland, Perth and the South West, Adelaide, Canberra, Hobart or regional growth corridors, the Playbook pairs rentvesting and yield discipline with practical lender sequencing. It suits first-time investors and experienced buyers who want to scale without stress.
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  • Increase borrowing capacity in Australia with clear, step by step checklists
  • Smart rentvesting strategies for capital cities and regional hubs
  • How trust structures and SMSF property purchases are assessed by Australian lenders​​​​​​​
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Education only. Not personal financial advice.
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