You'll hear it referred to as "Servicing" "capacity to borrow" or "affordability" - these all refer to how much the bank can lend to you depending on your personal circumstances
The amount the bank will allow you to borrow is based on -
This is case by case, and for an accurate representation of your borrowing capacity we’d suggest getting in touch with us. After all, it’s our job to sift through the options available to you, and provide reasonable solutions regarding products and lending ability.
The other thing worth noting is that banks are vastly different when it comes to the borrowing capacity side of things. So, we have a lot of options that differ from bank to bank.