What Banks Are Actually Checking In 2027

The Property Academy Podcast · Oct 19, 2026 · 14m

Remember 2022, when banks combed your statements and declined you for too many flat whites? That's over.

So, what do banks actually check now, and what have they stopped caring about?

In this episode, Ed and Andrew break down how banks really assess a mortgage application in 2027.

You'll learn:

Why banks no longer scrape your spending line by line

Whether a messy few months will actually sink your application

How credit cards, Afterpay, and the stress-test rate affect your borrowing

The surprising takeaway? Most people are far more mortgage-ready than they think.

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