Borrowing Power
Self-employed borrowing power in 2026: how lenders read your income
Tax returns, add-backs, and the documents self-employed borrowers need to maximise their assessed income in 2026.
Borrowing Power
Serviceability for two incomes: how lenders assess couples and dependants
Joint applications, dependant loading, maternity leave — making two incomes work harder for your home loan in 2026.
Borrowing Power
How HELP/HECS debt reduces your home loan borrowing power in 2026
Your student loan repayments count as a liability. Here's exactly how much they reduce your maximum loan in 2026.
Borrowing Power
HEM explained: how banks estimate your living expenses
The Household Expenditure Measure — why banks use it, how it compares to real spending, and how to beat it.
Borrowing Power
The DTI speed limit 2026: how the 6x debt-to-income cap affects you
APRA's new rule caps large-DTI lending at 20% of new loans from Feb 2026. Who gets caught and what to do.
Borrowing Power
Why your borrowing power dropped in 2026 (and how to lift it)
RBA rate hikes, the new DTI cap, and changing lender appetites — plus practical ways to borrow more in 2026.
Borrowing Power
APRA's 3% serviceability buffer explained and why it caps your borrowing
Why lenders test your repayments at 3% above the actual rate — and how it shrinks your maximum loan in 2026.
Borrowing Power
How much can I borrow in 2026: what Australian lenders actually assess
Income, HEM expenses, dependants, credit cards — the full borrowing power formula explained for 2026.