Navigating Private School Fees and Borrowing Capacity
This couple had a solid financial position but were finding their borrowing capacity restricted due to private school fee costs for their children.
That’s where we stepped in.
We Looked At Their Full Financial Picture
Key Steps:
✔️ Identified long-term investments held outside super
✔️ Demonstrated to the lender that these investments could be sold down over time to cover the school fees if needed
✔️ Secured the lender’s agreement to exclude $70K in school fees from their serviceability assessment
The Result?
The lender approved an extra $500,000 in borrowing capacity – and this family was able to make the move they’d been planning for years.
What This Meant for the Family:
They were able to:
Purchase in a more convenient location
Retain their long-term investments
Give their kids more independence
Secure the home they’ll grow into for the next decade
Why This Matters
Even high-income earners can be blocked by specific policy settings or structural inefficiencies. That’s why we dig deeper, look wider, and advocate for you.
If you’re facing similar challenges – whether it’s school fees, investment complexity, or tight borrowing capacity – let’s have a conversation.
Wondering how your current setup affects what you can borrow?
Whether you’re weeks or months away from your purchase, the right loan structure can save you more than just stress – it can save you thousands. If you (or someone you know) is preparing to buy, let’s sit down and make a plan.
Turning What If? into Welcome Home
What our clients say.
We’ll work with you to understand your long-term goals and provide tailored solutions to help you achieve them, helping you get a great deal in the process..