borrowing-power
How Much the Banks Will Actually Lend You in 2026 (and Why It's Less Than You Think)
Your salary says one thing; the bank says another. HEM, the 3% serviceability buffer, HECS, and credit-card limits quietly cut your borrowing power by tens of thousands. Here is how the maths really works.
EquitySight · 28 June 2026 · 6 min read