Bonus and Overtime Income: How Banks Shade Your Home Loan
Most lenders count 80% of bonus and overtime income on a home loan, some none at all. See how one ICU nurse's payslip swings $168,000 in borrowing power.
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Tag
Borrowing Power
Articles tagged with Borrowing Power.
6 articles
How Dependants Affect Your Home Loan Borrowing Power
Dependants can cut home loan borrowing power by about $50,000 each at a 9% assessment rate. See why the hit varies by lender and how families claw it back.
Buying Your First Home as a Couple in Australia (2026)
Buying your first home as a couple in Australia? Two incomes don't double your borrowing power. See what lenders assess and the 5% and 15% no-LMI paths.
How Salary Packaging Affects Your Home Loan Application
Salary packaging can cut $60k+ from your home loan application, or add to it. See how lenders treat packaged income and how doctors keep full capacity.
APRA's Serviceability Buffer: Your Rate Isn't Your Rate
APRA held the 3% serviceability buffer in May 2026, so lenders now test your home loan at rates above 9%. What it does to your borrowing power, in real dollars.
HECS Debt and Home Loan Borrowing Power: 3 New Rules
HECS debt still shrinks home loan borrowing power at most banks. Three rule changes now stack in your favour. See what a medical graduate can borrow in 2026.
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