Borrowing Power is calculated using lots of different factors. This includes:
The information you gave us when you signed up to TotallyMoney.
The wider credit market, like how many offers are available and how many applications lenders are accepting. These are things outside your and our control.
What lenders are looking for. We know the kind of thing lenders like to see in credit applications, so we take this into account.
Borrowing Power uses live data about the credit market, so you might see your Borrowing Power change more often than your credit score, even if your personal circumstances are the same.