How to Maximise Your Borrowing Capacity Want to borrow more without earning more? Here’s how smart buyers do it 1️⃣ Reduce credit card limits – Lenders assess the limit, not the balance, so lowering limits can instantly boost your borrowing power. 2️⃣ Pay down small debts – Clearing personal loans or Buy Now Pay Later accounts can free up servicing and lift your capacity. 3️⃣ Review your living expenses – Tightening up your spending for a few months can make a big difference on paper. 4️⃣ Find t