borrowing-power
HECS & Borrowing Power
Does HECS/HELP debt reduce your borrowing power? Learn how lenders assess student debt.
Updated Jan 2026
Does HECS/HELP Reduce Borrowing Power?
For many buyers, HECS/HELP can reduce borrowing power, depending on income level and lender policy.
Model it here:
Why it matters
Student debt can affect assessed affordability and repayment capacity.
FAQ
Can I get a home loan with HECS?
Yes. Many people do. The impact depends on income, other debts, expenses and lender policy.