Every calculator gives a different number. Here's the one that counts.
Get the free fillable check that shows what lenders really look at, and how to lift your borrowing power before you apply.
- A fillable PDF you complete in 2 minutes
- The 5 things lenders actually assess
- 4 quick wins that lift your number
Rated 10/10 on Reviewr · helping first home buyers across Melbourne know their real number
Get the Borrowing-Power Check
Where should I send it? Straight to your inbox.
The number everyone wants, and no calculator gets right
Online calculators don't know your full picture, and every lender assesses it differently. This free check shows you what actually moves your number.
What lenders assess
Income, your real living expenses, debts and card limits, deposit, and a rate buffer they test you against.
The hidden levers
What quietly drags your number down, like unused credit card limits and buy-now-pay-later.
Fill it in, get clarity
Type straight into the PDF, then bring it to a chat for your real, lender-ready figure.
Hi, I'm Jacob
Mortgage Broker · Alliance Financial Group · Yarraville
I help first home buyers across Melbourne's west and north work out what they can really borrow, and how to make that number bigger. With access to 300+ lenders, I match you to the one that reads your situation most favourably, no jargon and no pressure.
- Local, Yarraville-based
- 300+ lender panel
- Free to you
- Credit Rep 570865
How it works
From guesswork to a real number in three steps.
Get the check
Download the fillable PDF and see exactly what lenders weigh up.
Fill it in
Pop in your numbers. It takes about 2 minutes and points out easy wins.
Book a free chat
A no-pressure 30-minute call turns it into a proper, lender-ready assessment.
What first home buyers say
Real words from people I've helped.
“From the very beginning, Jacob was with us every step of the way, making what could have been a stressful process feel simple. Clear communication, and he took the time to explain our options so we always understood. His professionalism and genuine support gave us confidence from start to finish. Highly recommend.”
— Jason Law
Verified 10/10 on Reviewr
“Jacob was a fantastic mortgage broker who made the entire process smooth and stress-free. Knowledgeable, responsive, and truly committed to helping us get into our home. Highly recommend!”
— Charlotte Miller
Verified 10/10 on Reviewr
“An amazing experience. Jacob was extremely responsive and supportive throughout, always keeping us updated and answering our questions right away. His professionalism and dedication truly stood out. We couldn't have asked for a better person to guide us.”
— Dilan Ismail
Verified 10/10 on Reviewr
Questions first home buyers ask
Get your real number, free
Grab the fillable check, or book a no-pressure 30-minute chat and get a proper, lender-ready assessment.
Book a free 30-min chatGeneral information only. It is current as at August 2026 and does not take into account your personal circumstances, so it is not financial or credit advice. Borrowing capacity depends on each lender's assessment and your individual situation. Government scheme rules and eligibility criteria can change and will be confirmed for your situation. Jacob Williams is credit representative number 570865 of Alliance Financial Group Pty Ltd ACN 123 511 848 (Australian Credit Licence 390664).