[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/truthgroup.com.au\/2025\/09\/12\/different-banks-different-policies\/#BlogPosting","mainEntityOfPage":"https:\/\/truthgroup.com.au\/2025\/09\/12\/different-banks-different-policies\/","headline":"Different Banks, Different Policies","name":"Different Banks, Different Policies","description":"Why Your Borrowing Capacity Differs Between Banks | NSW Home Loans Explained Watch this video on YouTube. Your borrowing capacity can swing by tens or even hundreds of thousands of dollars depending on the bank you apply with. That\u2019s because each lender has their own credit policies \u2014 rules they follow when deciding how much ... <a title=\"Different Banks, Different Policies\" class=\"read-more\" href=\"https:\/\/truthgroup.com.au\/2025\/09\/12\/different-banks-different-policies\/\" aria-label=\"Read more about Different Banks, Different Policies\">Read more<\/a>","datePublished":"2025-09-12","dateModified":"2025-10-12","author":{"@type":"Person","@id":"https:\/\/truthgroup.com.au\/author\/nicholasparpistruthpropertycomau\/#Person","name":"Nicholas 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Ltd.","logo":{"@type":"ImageObject","@id":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2025\/10\/hero-logo-1-e1762756174980.png","url":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2025\/10\/hero-logo-1-e1762756174980.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2025\/09\/create-a-highly-detailed-high-resolution-image-that-embodies-the-concept.png","url":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2025\/09\/create-a-highly-detailed-high-resolution-image-that-embodies-the-concept.png","height":768,"width":1024},"url":"https:\/\/truthgroup.com.au\/2025\/09\/12\/different-banks-different-policies\/","video":{"@context":"http:\/\/schema.org\/","@type":"VideoObject","@id":"https:\/\/www.youtube.com\/watch?v=dfeiNPH8fYo#VideoObject","contentUrl":"https:\/\/www.youtube.com\/watch?v=dfeiNPH8fYo","name":"Why Your Borrowing Capacity Differs Between Banks | NSW Home Loans Explained","description":"https:\/\/truthgroup.com.au\/contact-truth-group\/\n\n#homeloantips #BorrowingCapacity #mortgagebrokersydney  #buyersagentsydney  #propertyinvestmentaustralia  #HomeLoans2025 #TruthGroup #nswpropertymarket  #investmentpropertyaustralia  #homeloantips","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/dfeiNPH8fYo\/default.jpg","https:\/\/i.ytimg.com\/vi\/dfeiNPH8fYo\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/dfeiNPH8fYo\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/dfeiNPH8fYo\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/dfeiNPH8fYo\/maxresdefault.jpg"],"uploadDate":"2025-09-12T12:01:47+00:00","duration":"PT1M30S","embedUrl":"https:\/\/www.youtube.com\/embed\/dfeiNPH8fYo","publisher":{"@type":"Organization","@id":"https:\/\/www.youtube.com\/channel\/UCl_CSrwS5ltS8cuq5VYEvxg#Organization","url":"https:\/\/www.youtube.com\/channel\/UCl_CSrwS5ltS8cuq5VYEvxg","name":"Truth Group Pty Ltd","description":"Welcome to Truth Group \u2014 where buying property and securing finance becomes simple, strategic, and stress-free.\nI\u2019m Niko, a licensed Buyers Agent and Mortgage Broker based in Sydney, here to help everyday Aussies make smarter property decisions.\n\nWhether you're buying your first home, investing, or need loan guidance, I break it down in clear, straight-talking videos.\n\nI help clients secure:\n\u2022 Established homes in high-growth areas\n\u2022 House and land packages\n\u2022 Commercial and mixed-use properties\n\u2022 Pre-approvals, refinance options & smart loan structures\n\nOn this channel, I share weekly tips on:\n\u2022 Buying strategies from a Sydney Buyers Agent\n\u2022 Mortgage planning & boosting borrowing power\n\u2022 Using a solid asset base to build wealth\n\u2022 Credit score & lender insights\n\n\ud83d\udccd Based in Hoxton Park \u2013 helping clients Australia-wide\n\ud83c\udf10 truthgroup.com.au | \ud83d\udcf1 Truth Group Pty Ltd on Facebook, LinkedIn & Google\nSubscribe now and let\u2019s get started.\n","logo":{"url":"https:\/\/yt3.ggpht.com\/0bYn-LN7lEmJEamUfHfCt1zo5YuZUz08PlGjcEoFWbe7cpd28E-tKPat4p5bIvQ5OfzsVXoPpXo=s800-c-k-c0x00ffffff-no-rj","width":800,"height":800,"@type":"ImageObject","@id":"https:\/\/www.youtube.com\/watch?v=dfeiNPH8fYo#VideoObject_publisher_logo_ImageObject"}},"potentialAction":{"@type":"SeekToAction","@id":"https:\/\/www.youtube.com\/watch?v=dfeiNPH8fYo#VideoObject_potentialAction","target":"https:\/\/www.youtube.com\/watch?v=dfeiNPH8fYo&t={seek_to_second_number}","startOffset-input":"required name=seek_to_second_number"},"interactionStatistic":[[{"@type":"InteractionCounter","@id":"https:\/\/www.youtube.com\/watch?v=dfeiNPH8fYo#VideoObject_interactionStatistic_WatchAction","interactionType":{"@type":"WatchAction"},"userInteractionCount":54}]]},"about":["Latest Post"],"wordCount":698,"articleBody":".wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_0, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_0[data-kb-block=\"kb-adv-heading34816_0d6f49-98_0\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_0 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_0[data-kb-block=\"kb-adv-heading34816_0d6f49-98_0\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_0 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_0[data-kb-block=\"kb-adv-heading34816_0d6f49-98_0\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Why Your Borrowing Capacity Differs Between Banks | NSW Home Loans Explained Watch this video on YouTube..wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_1, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_1[data-kb-block=\"kb-adv-heading34816_0d6f49-98_1\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_1 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_1[data-kb-block=\"kb-adv-heading34816_0d6f49-98_1\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_1 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_1[data-kb-block=\"kb-adv-heading34816_0d6f49-98_1\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Your borrowing capacity can swing by tens or even hundreds of thousands of dollars depending on the bank you apply with. That\u2019s because each lender has their own credit policies \u2014 rules they follow when deciding how much risk they\u2019re willing to take. Some of the biggest policy differences include:.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_2, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_2[data-kb-block=\"kb-adv-heading34816_0d6f49-98_2\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_2 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_2[data-kb-block=\"kb-adv-heading34816_0d6f49-98_2\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_2 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_2[data-kb-block=\"kb-adv-heading34816_0d6f49-98_2\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Living Expenses Policy:.wp-block-kadence-advancedheading.kt-adv-heading34816_765e86-1d, .wp-block-kadence-advancedheading.kt-adv-heading34816_765e86-1d[data-kb-block=\"kb-adv-heading34816_765e86-1d\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_765e86-1d mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_765e86-1d[data-kb-block=\"kb-adv-heading34816_765e86-1d\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_765e86-1d img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_765e86-1d[data-kb-block=\"kb-adv-heading34816_765e86-1d\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Some banks use the Household Expenditure Measure (HEM), while others scrutinise your bank statements and take your actual spending into account. This can make a big difference if your lifestyle spending is higher than average..wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_3, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_3[data-kb-block=\"kb-adv-heading34816_0d6f49-98_3\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_3 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_3[data-kb-block=\"kb-adv-heading34816_0d6f49-98_3\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_3 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_3[data-kb-block=\"kb-adv-heading34816_0d6f49-98_3\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Income Assessment Policy:.wp-block-kadence-advancedheading.kt-adv-heading34816_a21cb9-e0, .wp-block-kadence-advancedheading.kt-adv-heading34816_a21cb9-e0[data-kb-block=\"kb-adv-heading34816_a21cb9-e0\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_a21cb9-e0 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_a21cb9-e0[data-kb-block=\"kb-adv-heading34816_a21cb9-e0\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_a21cb9-e0 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_a21cb9-e0[data-kb-block=\"kb-adv-heading34816_a21cb9-e0\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading34816_7caf63-2c, .wp-block-kadence-advancedheading.kt-adv-heading34816_7caf63-2c[data-kb-block=\"kb-adv-heading34816_7caf63-2c\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_7caf63-2c mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_7caf63-2c[data-kb-block=\"kb-adv-heading34816_7caf63-2c\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_7caf63-2c img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_7caf63-2c[data-kb-block=\"kb-adv-heading34816_7caf63-2c\"] img.kb-inline-image{width:150px;vertical-align:baseline;}&#8211; Overtime, penalty rates, bonuses, and commissions may be counted at 100% with one bank, but only 60\u201380% with another..wp-block-kadence-advancedheading.kt-adv-heading34816_cf7a48-78, .wp-block-kadence-advancedheading.kt-adv-heading34816_cf7a48-78[data-kb-block=\"kb-adv-heading34816_cf7a48-78\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_cf7a48-78 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_cf7a48-78[data-kb-block=\"kb-adv-heading34816_cf7a48-78\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_cf7a48-78 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_cf7a48-78[data-kb-block=\"kb-adv-heading34816_cf7a48-78\"] img.kb-inline-image{width:150px;vertical-align:baseline;}&#8211; Rental income might be shaded (reduced) by 20\u201330% at some banks, while others accept the full amount..wp-block-kadence-advancedheading.kt-adv-heading34816_5833d5-e6, .wp-block-kadence-advancedheading.kt-adv-heading34816_5833d5-e6[data-kb-block=\"kb-adv-heading34816_5833d5-e6\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_5833d5-e6 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_5833d5-e6[data-kb-block=\"kb-adv-heading34816_5833d5-e6\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_5833d5-e6 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_5833d5-e6[data-kb-block=\"kb-adv-heading34816_5833d5-e6\"] img.kb-inline-image{width:150px;vertical-align:baseline;}&#8211; Government benefits, allowances, or second jobs may or may not be included depending on the lender..wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_7, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_7[data-kb-block=\"kb-adv-heading34816_0d6f49-98_7\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_7[data-kb-block=\"kb-adv-heading34816_0d6f49-98_7\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_7 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_7[data-kb-block=\"kb-adv-heading34816_0d6f49-98_7\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Debt and Liability Policy:.wp-block-kadence-advancedheading.kt-adv-heading34816_89417e-0c, .wp-block-kadence-advancedheading.kt-adv-heading34816_89417e-0c[data-kb-block=\"kb-adv-heading34816_89417e-0c\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_89417e-0c mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_89417e-0c[data-kb-block=\"kb-adv-heading34816_89417e-0c\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_89417e-0c img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_89417e-0c[data-kb-block=\"kb-adv-heading34816_89417e-0c\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Credit cards are a big one. Some lenders assume you\u2019ll max out your card limit each month, while others just assess what you actually owe. Even a $10,000 limit can slash borrowing power if a bank applies a harsher rule..wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_8, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_8[data-kb-block=\"kb-adv-heading34816_0d6f49-98_8\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_8 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_8[data-kb-block=\"kb-adv-heading34816_0d6f49-98_8\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_8 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_8[data-kb-block=\"kb-adv-heading34816_0d6f49-98_8\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Interest Rate Buffer Policy:.wp-block-kadence-advancedheading.kt-adv-heading34816_5dedd5-ad, .wp-block-kadence-advancedheading.kt-adv-heading34816_5dedd5-ad[data-kb-block=\"kb-adv-heading34816_5dedd5-ad\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_5dedd5-ad mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_5dedd5-ad[data-kb-block=\"kb-adv-heading34816_5dedd5-ad\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_5dedd5-ad img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_5dedd5-ad[data-kb-block=\"kb-adv-heading34816_5dedd5-ad\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Lenders don\u2019t just test your repayments at today\u2019s rate \u2014 they add a buffer of around 3% or more. If a bank sets a higher stress rate than another, your borrowing power with them will shrink..wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_9, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_9[data-kb-block=\"kb-adv-heading34816_0d6f49-98_9\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_9[data-kb-block=\"kb-adv-heading34816_0d6f49-98_9\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_9[data-kb-block=\"kb-adv-heading34816_0d6f49-98_9\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Age and Loan Term Policy:.wp-block-kadence-advancedheading.kt-adv-heading34816_929703-da, .wp-block-kadence-advancedheading.kt-adv-heading34816_929703-da[data-kb-block=\"kb-adv-heading34816_929703-da\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_929703-da mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_929703-da[data-kb-block=\"kb-adv-heading34816_929703-da\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_929703-da img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_929703-da[data-kb-block=\"kb-adv-heading34816_929703-da\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Some lenders reduce loan terms for older applicants, while others allow full terms if there\u2019s a clear repayment strategy. This is especially important for mature buyers and investors..wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_10, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_10[data-kb-block=\"kb-adv-heading34816_0d6f49-98_10\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_10 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_10[data-kb-block=\"kb-adv-heading34816_0d6f49-98_10\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_10 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_10[data-kb-block=\"kb-adv-heading34816_0d6f49-98_10\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Why Investors Notice the Difference More.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_11, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_11[data-kb-block=\"kb-adv-heading34816_0d6f49-98_11\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_11 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_11[data-kb-block=\"kb-adv-heading34816_0d6f49-98_11\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_11 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_11[data-kb-block=\"kb-adv-heading34816_0d6f49-98_11\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Property investors in NSW often experience the widest gaps in borrowing capacity. That\u2019s because investment loans involve extra factors like:.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_12, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_12[data-kb-block=\"kb-adv-heading34816_0d6f49-98_12\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_12 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_12[data-kb-block=\"kb-adv-heading34816_0d6f49-98_12\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_12 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_12[data-kb-block=\"kb-adv-heading34816_0d6f49-98_12\"] img.kb-inline-image{width:150px;vertical-align:baseline;}&#8211; How rental income is assessed..wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_13, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_13[data-kb-block=\"kb-adv-heading34816_0d6f49-98_13\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_13 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_13[data-kb-block=\"kb-adv-heading34816_0d6f49-98_13\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_13 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_13[data-kb-block=\"kb-adv-heading34816_0d6f49-98_13\"] img.kb-inline-image{width:150px;vertical-align:baseline;}&#8211; Whether negative gearing benefits are included..wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_14, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_14[data-kb-block=\"kb-adv-heading34816_0d6f49-98_14\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_14 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_14[data-kb-block=\"kb-adv-heading34816_0d6f49-98_14\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_14 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_14[data-kb-block=\"kb-adv-heading34816_0d6f49-98_14\"] img.kb-inline-image{width:150px;vertical-align:baseline;}&#8211; The way different lenders look at multiple properties..wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_15, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_15[data-kb-block=\"kb-adv-heading34816_0d6f49-98_15\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_15 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_15[data-kb-block=\"kb-adv-heading34816_0d6f49-98_15\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_15 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_15[data-kb-block=\"kb-adv-heading34816_0d6f49-98_15\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\ud83d\udc49 If you\u2019re considering investing, check out our guide on NSW Investor Loan Strategies for 2025..wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_16, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_16[data-kb-block=\"kb-adv-heading34816_0d6f49-98_16\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_16 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_16[data-kb-block=\"kb-adv-heading34816_0d6f49-98_16\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_16 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_16[data-kb-block=\"kb-adv-heading34816_0d6f49-98_16\"] img.kb-inline-image{width:150px;vertical-align:baseline;}How a Mortgage Broker Can Help.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_17, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_17[data-kb-block=\"kb-adv-heading34816_0d6f49-98_17\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_17 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_17[data-kb-block=\"kb-adv-heading34816_0d6f49-98_17\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_17 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_17[data-kb-block=\"kb-adv-heading34816_0d6f49-98_17\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Going directly to one bank limits your options \u2014 and could mean missing out on your true borrowing potential. A mortgage broker like Truth Group I compare lenders for you, matching your profile with the ones most likely to give you the capacity you need..wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_18, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_18[data-kb-block=\"kb-adv-heading34816_0d6f49-98_18\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_18 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_18[data-kb-block=\"kb-adv-heading34816_0d6f49-98_18\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_18 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_18[data-kb-block=\"kb-adv-heading34816_0d6f49-98_18\"] img.kb-inline-image{width:150px;vertical-align:baseline;}I don\u2019t just look at the rate; I look at the lender policy behind the numbers. That way, you don\u2019t waste time with applications that will get knocked back..wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_19, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_19[data-kb-block=\"kb-adv-heading34816_0d6f49-98_19\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_19 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_19[data-kb-block=\"kb-adv-heading34816_0d6f49-98_19\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_19 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_19[data-kb-block=\"kb-adv-heading34816_0d6f49-98_19\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Preparing to Maximise Approval.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_20, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_20[data-kb-block=\"kb-adv-heading34816_0d6f49-98_20\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_20 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_20[data-kb-block=\"kb-adv-heading34816_0d6f49-98_20\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_20 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_20[data-kb-block=\"kb-adv-heading34816_0d6f49-98_20\"] img.kb-inline-image{width:150px;vertical-align:baseline;}The key to boosting your borrowing power is preparation. Before applying, make sure you\u2019ve:.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_21, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_21[data-kb-block=\"kb-adv-heading34816_0d6f49-98_21\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_21 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_21[data-kb-block=\"kb-adv-heading34816_0d6f49-98_21\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_21 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_21[data-kb-block=\"kb-adv-heading34816_0d6f49-98_21\"] img.kb-inline-image{width:150px;vertical-align:baseline;}&#8211; Reviewed your income and expenses..wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_22, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_22[data-kb-block=\"kb-adv-heading34816_0d6f49-98_22\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_22 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_22[data-kb-block=\"kb-adv-heading34816_0d6f49-98_22\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_22 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_22[data-kb-block=\"kb-adv-heading34816_0d6f49-98_22\"] img.kb-inline-image{width:150px;vertical-align:baseline;}&#8211; Minimized unused credit limits..wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_23, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_23[data-kb-block=\"kb-adv-heading34816_0d6f49-98_23\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_23 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_23[data-kb-block=\"kb-adv-heading34816_0d6f49-98_23\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_23 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_23[data-kb-block=\"kb-adv-heading34816_0d6f49-98_23\"] img.kb-inline-image{width:150px;vertical-align:baseline;}&#8211; Gathered the right documents..wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_24, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_24[data-kb-block=\"kb-adv-heading34816_0d6f49-98_24\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_24 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_24[data-kb-block=\"kb-adv-heading34816_0d6f49-98_24\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_24 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_24[data-kb-block=\"kb-adv-heading34816_0d6f49-98_24\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\ud83d\udc49 To learn more, see our article on How to Prepare Your NSW Home Loan Application in 2025..wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_25, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_25[data-kb-block=\"kb-adv-heading34816_0d6f49-98_25\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_25 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_25[data-kb-block=\"kb-adv-heading34816_0d6f49-98_25\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_25 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_25[data-kb-block=\"kb-adv-heading34816_0d6f49-98_25\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Final Thoughts.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_26, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_26[data-kb-block=\"kb-adv-heading34816_0d6f49-98_26\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_26 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_26[data-kb-block=\"kb-adv-heading34816_0d6f49-98_26\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_26 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_26[data-kb-block=\"kb-adv-heading34816_0d6f49-98_26\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Your borrowing capacity isn\u2019t a fixed number \u2014 it depends on the lender, their policies, and how your finances are presented. By working with Truth Group, you\u2019ll have a clearer strategy, better chances of approval, and more options for building your property portfolio..wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_27, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_27[data-kb-block=\"kb-adv-heading34816_0d6f49-98_27\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_27 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_27[data-kb-block=\"kb-adv-heading34816_0d6f49-98_27\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_27 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_27[data-kb-block=\"kb-adv-heading34816_0d6f49-98_27\"] img.kb-inline-image{width:150px;vertical-align:baseline;}And it doesn\u2019t stop there \u2014 as a buyer\u2019s agent, I can also help you find, shortlist, and negotiate the right property once your finance is sorted. That way, you\u2019re not only maximising your borrowing power, but also making smart decisions about where and what to buy..wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_28, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_28[data-kb-block=\"kb-adv-heading34816_0d6f49-98_28\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_28 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_28[data-kb-block=\"kb-adv-heading34816_0d6f49-98_28\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_28 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_0d6f49-98_28[data-kb-block=\"kb-adv-heading34816_0d6f49-98_28\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedbtn.kb-btns34816_b5dd20-02{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns34816_b5dd20-02 .kt-button{font-weight:normal;font-style:normal;}.kt-btns34816_b5dd20-02 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns34816_b5dd20-02 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns34816_b5dd20-02 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns34816_b5dd20-02 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns34816_b5dd20-02 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns34816_b5dd20-02 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns34816_b5dd20-02 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}ul.menu .wp-block-kadence-advancedbtn .kb-btn34816_81ba92-50.kb-button{width:initial;}.wp-block-kadence-advancedbtn .kb-btn34816_81ba92-50.kb-button{color:var(--contrast);background:#f4c949;}Click here if your \ud83d\udc49 Ready to maximise your borrowing power and find the right property?.wp-block-kadence-advancedheading.kt-adv-heading34816_e0e9ff-6e, .wp-block-kadence-advancedheading.kt-adv-heading34816_e0e9ff-6e[data-kb-block=\"kb-adv-heading34816_e0e9ff-6e\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34816_e0e9ff-6e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34816_e0e9ff-6e[data-kb-block=\"kb-adv-heading34816_e0e9ff-6e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34816_e0e9ff-6e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34816_e0e9ff-6e[data-kb-block=\"kb-adv-heading34816_e0e9ff-6e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Share this:\t\t\t\tEmail a link to a friend (Opens in new window)\t\t\t\tEmail\t\t\t\t\t\t\tShare on Facebook (Opens in new window)\t\t\t\tFacebook\t\t\t\t\t\t\tShare on LinkedIn (Opens in new window)\t\t\t\tLinkedIn\t\t\t\t\t\t\tShare on Pinterest (Opens in new window)\t\t\t\tPinterest\t\t\t\t\t\t\tShare on Mastodon (Opens in new window)\t\t\t\tMastodon\t\t\t\t\t\t\tPrint (Opens in new window)\t\t\t\tPrint\t\t\t\t\t\t\tShare on Reddit (Opens in new window)\t\t\t\tReddit\t\t\t\t\t\t\tShare on X (Opens in new window)\t\t\t\tX\t\t\t\t\t\t\tShare on Tumblr (Opens in new window)\t\t\t\tTumblr\t\t\t\t\t\t\tShare on Telegram (Opens in new window)\t\t\t\tTelegram\t\t\t\t\t\t\tShare on Threads (Opens in new window)\t\t\t\tThreads\t\t\t\t\t\t\tShare on WhatsApp (Opens in new window)\t\t\t\tWhatsApp\t\t\t\t\t\t\tShare on Nextdoor (Opens in new window)\t\t\t\tNextdoor\t\t\t\t\t\t\tShare on X (Opens in new window)\t\t\t\tX\t\t\t\t\t\t\tShare on Bluesky (Opens in new window)\t\t\t\tBluesky\t\t\t"},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"2025","item":"https:\/\/truthgroup.com.au\/2025\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"09","item":"https:\/\/truthgroup.com.au\/2025\/\/09\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"12","item":"https:\/\/truthgroup.com.au\/2025\/\/09\/\/12\/#breadcrumbitem"},{"@type":"ListItem","position":4,"name":"Different Banks, Different Policies","item":"https:\/\/truthgroup.com.au\/2025\/09\/12\/different-banks-different-policies\/#breadcrumbitem"}]}]