Episode Details

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.

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