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The brightday Borrowing Capacity Calculator provided here is intended to offer an estimate of your potential borrowing capacity based on the information you provide. However, it’s important to understand that this calculator provides general information and does not constitute financial advice or a guaranteed loan offer.

Factors such as lending policies, interest rates, fees, and individual financial circumstances can significantly impact your actual borrowing capacity. The results from this calculator are based on assumptions and data that may not reflect the most up-to-date lending criteria or market conditions.

Here are some key points to consider when using this calculator:

Estimate Only:
The results provided by the calculator are estimates and should not be taken as a final determination of your borrowing capacity. Actual borrowing capacity can vary depending on a range of factors not considered in this calculator.

Not Financial Advice:
The results do not constitute financial advice or recommendations. It’s important to consult with a qualified financial advisor or mortgage broker to assess your specific situation and obtain personalized advice.

The calculator makes certain assumptions about your income, expenses, and other financial factors. If these assumptions do not accurately represent your situation, the results may not be accurate.

Market Fluctuations:
Interest rates and lending policies can change over time. The calculator might not reflect these changes, and your actual borrowing capacity could differ accordingly.

Credit Assessment:
Lenders consider various factors beyond income and expenses when assessing a loan application, including credit history, employment stability, and existing financial commitments.

Accuracy Limitations:
The calculator’s accuracy is limited by the data you input. Any inaccuracies or omissions in your input will impact the accuracy of the results.

Independent Research:
The calculator’s results should be used as a starting point for your research and planning. It’s recommended to obtain loan quotes from different lenders and thoroughly understand the terms and conditions before making a decision.

We do not assume any liability for the accuracy of the calculator’s results or any financial decisions made based on those results.

By using the Borrowing Capacity Calculator, you acknowledge and understand the limitations of the tool and agree that any financial decisions you make should be based on a comprehensive analysis of your financial situation, conducted by a qualified professional.

Always seek advice from a licensed financial advisor or mortgage broker before committing to any financial agreements.