@dan.endor.loanmarket: Ever wondered how banks decide how much you can actually borrow? It’s not just about income, its about spending too. Banks use something called HEMS to benchmark affordability. So even if you’re budgeting well, your actual spending is measured against HEMS to see what you really qualify for. Want the full breakdown? Check out the full podcast on Spotify! #mortgagebroker #financetips #refinance #firsthomebuyer

Dan Endor

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Region: AU

Saturday 27 September 2025 00:24:29 GMT