Ways to use Borrowing Capacity
- Reconcile self-employed taxable income with lender-assessable income.
- Explore the effect of rental income, credit limits and HELP debt on serviceability.
- Compare interest-rate, income and expense sensitivity scenarios.
Financial research
Australian Borrowing Capacity Research AI
Explore Australian borrowing capacity with Cassandra. Reconcile income, household expenses and liabilities to build a serviceability scenario and examine sensitivity.
A focused starting point
for your next piece of work.
Assess borrowing capacity questions using the financial circumstances and assumptions provided.
Use the workflow below to prepare the relevant facts and identify the parts of the output that need your review.
What to bring to the conversation
- Payslips or tax returns, notices of assessment and business financial records.
- Household expenses, dependants, debts, credit limits and HELP balance.
- Property or loan purpose, proposed term, deposit and interest-rate assumptions.
What to check before using the output
- Verify lender-specific policies, benchmarks and current tax or repayment figures.
- Check source documents and calculations; a scenario is not lender approval.
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AI outputs need independent verification. Engine access depends on your plan and current platform settings. Catalogue reviewed 19 October 2026.
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