June 4, 2026
The RBA's May 2026 cash rate hike slashed borrowing capacity by an estimated $12,000 to $18,000 for every $100,000 earned, requiring pre-approvals to be reassessed.
Read More →June 3, 2026
To comfortably service a $600,000 home loan in 2026 amidst current APRA buffers, a single borrower generally needs a gross income between $110,000 and $125,000.
Read More →June 2, 2026
Depending on government schemes, you might only need a $14,000 to $35,000 deposit to secure a $700,000 home in Australia in 2026.
Read More →June 1, 2026
The May 2026 RBA rate rise directly impacts your borrowing power, reducing your assessed capacity as serviceability buffer rates adjust upward.
Read More →May 31, 2026
Couples earning a combined $200,000 in 2026 can often borrow between $900,000 and $1,100,000, though factors like dependents and debts can significantly alter this.
Read More →May 30, 2026
A $100,000 salary in 2026 generally allows you to borrow between $480,000 and $600,000, assuming you have a clean financial profile without HECS debt.
Read More →May 29, 2026
In 2026, an $80,000 salary typically supports a loan of $360,000 to $450,000, making debt reduction and government schemes essential for first home buyers.
Read More →May 28, 2026
A $120,000 salary in 2026 typically supports a home loan between $550,000 and $700,000, depending heavily on your debts, credit limits, and chosen lender.
Read More →May 7, 2026
Self-employed income is assessed on a 2-year average, not current earnings — and documentation structure matters as much as the income itself. Here's how lenders approach it.
Read More →May 6, 2026
Joint applications combine both incomes — but also both sets of debts, HECS, and credit cards. Here's how lenders calculate borrowing capacity for couples and what affects the outcome.
Read More →May 5, 2026
An unused $10,000 credit limit can reduce borrowing capacity by $50,000–$80,000. Closing cards before applying removes that liability — here's the timing and what it doesn't fix.
Read More →May 4, 2026
HECS reduces borrowing capacity through the compulsory repayment, not the balance itself. Here's how lenders treat it, the repayment rates by income, and whether paying it off first makes sense.
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