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How much a lender will let you borrow varies from bank to bank, but it will broadly depend on your income, living expenses, existing loan repayments as well as a few other variables. You can use uno’s borrowing power calculator here.

How much you can put down as a deposit will have a major impact on how much the bank will lend you. That’s because the bank wants to have a buffer between what you owe and what the property is worth on the open market. If you don’t have a deposit, you can read more about how uno can help you here.

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Helen is Head of Content at uno - the smarter, faster way to get a better home loan.

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Key Fact Sheet (KFS)

A document authored and published by a lender in a set format to inform borrowers about a the features of a loan. The product KFS is usually available via the lender website.

Guarantor

The guarantor is legally responsible for paying back the entire loan if the borrower cannot or will not make the repayments. The guarantor will also have to pay any fees, charges and interest.

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