28/10/2026
Earning $100k is useful information.
But it’s nowhere near enough information to tell you what you could borrow.
Two people earning exactly the same salary can have very different borrowing positions depending on their deposit, expenses, debts, credit limits and other commitments.
So if I was buying my first home, I wouldn’t start by asking, “What can someone on $100k borrow?”
I’d start by understanding my numbers.
Then I’d work out what I’m comfortable spending, explore the lending options available to me and get finance-ready before getting too attached to a property.
Your salary might be where the conversation starts.
It shouldn’t be where the strategy ends.