Increase your borrowing capacity by reducing your credit card limits. Lenders now typically assume that your credit card will cost a monthly 3.75 per cent of its limit, even if unused.  For example, if you have a $10,000 limit, that’s $375 of your repayment capacity for a home loan each month, gone. If you have … Continue reading Increase Your Borrowing Capacity By Reducing Your Credit Card Limits