A lender's assessment of whether a borrower can afford to repay a loan. Lenders assess income, expenses, existing debts, and apply a serviceability buffer (currently 3% above the loan rate). Your borrowing capacity is largely determined by serviceability — even if you have a large deposit, a lender won't lend you more than you can service.
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Renter's rights guide (by state)Bond, rent increases, repairs, entry, and ending a tenancy.