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Cracking the serviceability code: Maximising your borrowing power

11 AUG 2025 • By Robyn Tongol • 2 min read • Investor Strategy
In this episode of The Smart Property Investment Show, host Phil Tarrant is joined by Rob Le from Finni Mortgages to unpack the often-misunderstood world of serviceability and how it shapes an investor’s ability to build wealth.
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From overtime income to voluntary super contributions, Phil and Rob explore the factors that can make or break borrowing capacity – and how lender policies can vary more than many realise.

They dive into why income isn’t just your base salary, how deductions like HECS-HELP can be managed strategically, and why disciplined spending habits in the months before applying for a loan can pay off in spades.

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The conversation also explores the role of non-bank lenders, their more flexible policies, and when higher rates may be worth the trade-off for greater borrowing power.

Phil and Rob share practical strategies for presenting the strongest possible case to lenders, and explain why working with a savvy mortgage broker can give investors the edge they need to grow their portfolio faster.

 
 

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Serviceability
Serviceability refers to the ability of a borrower to make repayments on a loan based on the loan amount, their income, and expenses which are factors being considered by financial institutions to approve the loan.
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