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The same income can produce very different borrowing limits at different lenders. Here’s how borrowing power is calculated and what drives the gap.

How lenders assess joint applications, what joint and several liability means, and what happens to a joint loan if things change.

Lenders lifted hundreds of fixed rates before the RBA met. Why fixed rates move first and what it means if you are thinking of fixing.

Overtime, bonuses and commission are assessed differently from base salary. How lenders shade variable pay and why it varies.

Most fixed loans roll onto a higher revert rate. What changes when your fixed term ends and the options to consider first.

How lenders treat car loans, novated leases, buy now pay later and credit card limits, and what each $100 a month costs you.

Unemployment held steady this week. Here’s what that means for the RBA’s next call and whether to lock your rate now.

A 30-year term looks cheaper monthly, but the real cost shows up in total interest paid.

Lenders usually assess parental leave income, not your pre-leave salary. Here is what that means.