Find out how much you can borrow before you talk to anyone.
Borrowable asks the questions a broker would ask, works the numbers the way a lender does, and gives you a written picture of where you stand. Then send it to Joshua to take your next step.
A few minutes for a clear answer, longer if you want to go deeper. No sign up, and nothing goes on your credit file.
What happens when you press the button
A short conversation
A handful of questions about income, deposit, debts and what you’re trying to do, answered in your own words. Borrowable does the heavy lifting.
The numbers, worked properly
Rate buffers, living-expense floors, credit card limits, HECS, rental shading, LMI thresholds. The things that decide what you can actually borrow, not a slider on a calculator.
A written report you can keep
Where you stand, a ranged estimate of what you could borrow if there’s enough information to give one, what would move that number, and what to have ready for your next step. Share it, print it, or save it.
Your call on what’s next
Send the report to Joshua with one tap and he replies knowing your situation, or call him directly. Or do nothing. It’s yours.
Start with your situation
Choose what you’re trying to do and Borrowable opens with the question that matters most for it.
What Borrowable will and won’t do
It will tell you the truth. If something is holding you back, it names it and tells you what would fix it.
It won’t tell you you’re approved. Only a lender can decide that, and it won’t guess how long they’ll take.
It won’t choose a lender or a loan for you. That’s a conversation with Joshua, once he knows your situation.
Then talk to Joshua
Joshua James is a mortgage broker with Ace Lending Solutions, based in Sydney and working with buyers, owners and investors across Australia. He reads your Borrowable report before he picks up the phone, so the first conversation starts where the report ends and no time is spent going over ground you’ve already covered.