How car leases can impact on borrowing capacity
Having a business car can be essential. But those car lease payments aren’t just a cost, they’re a liability that could reduce your personal borrowing capacity. Lenders treat car leases as ongoing debts. Every dollar you pay each month reduces how much you can borrow for a home or investment.
Different impact of car leases on borrowing capacity
Not all lenders see it the same way. Some count every lease payment against you, cutting your borrowing capacity. Others take a smarter view. They look at your actual cash flow and the purpose behind the lease. This can mean more borrowing power and better loan options.
When clients have numerous business liabilities, we opt for lenders who often exclude these in servicing calculators.
The difference typically comes down to how your finances are structured and which lender you choose. Working with an experienced lending partner can help you present your situation clearly.
They know which lenders minimise the impact of business liabilities like car leases. They also help organise your finances so lenders see the full picture—not just the debts.
Knowledge is everything
Car leases don’t have to hold you back. With the right approach, you can protect your borrowing capacity while keeping your business running smoothly. It’s about smarter loan strategies, better lender selection, and clear financial packaging.
If you’re juggling a business car lease and looking to maximise your borrowing potential, expert guidance is the key. Don’t let lease payments limit your goals. Instead, work with a partner like Flexdoc who understands the nuances and helps you get the loan you deserve.