Welcome to the Defence Property Podcast, where we share practical property and finance strategies for Australian Defence Force personnel.
In this episode, Kane is joined by Ben from Ironbark Group, Mortgage Broker and Director, to unpack five proven strategies to increase your borrowing capacity — particularly important as interest rate expectations shift and lending conditions become tighter.
In this episode, we cover:
• Why now is a smart time to review your mortgage as rate hike expectations increase
• How ownership structures (trusts, companies, SMSFs, and joint ventures) can improve borrowing capacity when used correctly
• Why unused credit cards, Afterpay/ZipPay, and small debts can significantly reduce what banks will lend you
• How pay rises, promotions, or changing jobs can boost serviceability sooner than many people realise
• When a second income or side hustle helps, and what lenders actually look for
• How reviewing everyday expenses can meaningfully improve borrowing power
Ben also shares a simple rule of thumb: an extra $10,000 in income can add roughly $50,000 to your borrowing capacity, depending on your overall position and lender policy.
If you’re planning your next purchase or want clarity on your borrowing options, this episode provides a practical framework to help you move forward with confidence.
📌 Want tailored advice?
Reach out to Discover Buyers Agency to discuss your strategy and next steps.
https://www.discoverbuyersagency.com.au/
Subscribe to the podcast for more Defence-specific property and lending insights.
