EP: 2353•19 Feb 2026

What Banks Look At Before They Say Yes (It’s Not What You Think)⎟Ep. 2353

About this episode

Ever applied for a mortgage thinking, “Of course I can afford this”… only to worry the bank might say no?

In this episode, Ed and Andrew break down how banks really decide whether to approve your mortgage — and why what you see on your budget can look completely different from what the bank sees on theirs.

You’ll learn:

-How banks actually assess your income

-The stress-tested interest rate they use

-The single number that determines whether you’re approved or declined

This episode walks through a real-world example showing how someone with a $7,000 surplus in their own spreadsheet could still get declined.

Looking to calculate and compare your mortgage repayment options? Use our mortgage calculator to find out your potential monthly payments.

Ok, now for the legal bit:

The Property Academy Podcast is for your general information. It’s not financial advice.

So the hosts aren’t telling you what to do with your own money. We’ve made every effort to make sure the information is accurate. But we occasionally get the odd fact wrong.

Make sure you do your own research or talk to a financial adviser before making any investment decisions.

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The Maths Behind $10K a Month From Property (Most People Get This Wrong)⎟Ep. 2349

What Banks Look At Before They Say Yes (It’s Not What You Think)⎟Ep. 2353

About this episode

The Reserve Bank’s Latest Decision What Happens to Rates Now⎟Ep. 2352

The Money Maths Behind Quitting Work Early (Most People Never See It)⎟Ep. 2351

The Era of Falling Mortgage Rates Is Over – What Happens Next⎟Ep. 2350

The Maths Behind $10K a Month From Property (Most People Get This Wrong)⎟Ep. 2349