It’s not just your income.⁠

19 September 2026

It’s not just your income.⁠ ⁠ Banks look at the full picture: what you earn, your existing debts, credit limits, living expenses and how much room you have left once those commitments are accounted for.⁠ ⁠ Two people earning the same salary can have completely different borrowing capacities because affordability comes down to how your overall financial position is assessed.⁠ ⁠ That’s why understanding your numbers before you start looking at property matters. Know what the bank sees first, then work out what you can realistically borrow.