Every time you get on the phone with your bank or credit card company they work hard to persuade you to increase your credit limit.

Seems harmless right… even a good idea; at least they make it sound that way, like they are doing you a favour. But secretly, it impairs your ability to get a mortgage and afford the home your family needs.

Use my Credit Limit Mortgage Impact Calculator to discover how increasing your credit limit hurts you ability to get the mortgage you need in real dollars.

I’ve designed and coded my Credit Limit Mortgage Impact Calculator to visually and numerically show how changes in your credit card limit across all your credit cards reduces the size of mortgage available using the same pricing mechanics lenders actually use.

At a high level, it allows borrowers, realtors, and advisors to stress-test real-world scenarios without needing spreadsheets or assumptions hidden in fine print.