With interest rates shifting and property prices at record highs, it's worth knowing how you might boost your borrowing capacity. As a result, your borrowing capacity might be reduced by that amount or more. It's might be worth checking your borrowing capacity based on your current expenses and starting your property search accordingly. Find a lower interest rate or reconsider your lenderA lower interest rate means lower repayments – which can directly increase your borrowing capacity. Your living expensesDay-to-day costs play a big role in borrowing capacity.