Online borrowing power calculators suggest a $1.2 million loan but Australian banks approve only $900K in 2026. We dissect APRA’s serviceability buffer, HEM, income shading and DTI limits that drive the 25% gap.
Why the advertised rate rarely reflects the true cost of a home loan. Comparison rate explained 2026 — with a worked example, regulatory context and a practical cost calculator for Australian borrowers.
A break cost calculator for fixed-rate mortgages quantifies early exit fees. Compare refinancing savings using RBA cash rate data and APRA rules. Includes calculator inputs and real-world scenarios for Australian borrowers.