What Can You ACTUALLY Afford on Your Salary in Australia? (2026 Reality Check)

Описание: The Australian property market has never been tougher. The median house price has crossed $1 million, the RBA cash rate sits at 4.10%, and APRA just changed the lending rules in 2026. So what can YOU actually afford on your salary right now?

In this video, we break it down salary by salary — from $75K single incomes to $250K dual-income households — so you know exactly where you stand before you even talk to a broker.

✅ How banks calculate your borrowing capacity (the 9.6% buffer explained)
✅ Real borrowing power at $75K, $100K, $125K, $150K, $200K, and $250K income
✅ The hidden costs that blow budgets apart (stamp duty, LMI, and more)
✅ The First Home Guarantee scheme changes since October 2025
✅ Why waiting for a price drop could cost you MORE money
✅ The 28% rule: how to find YOUR real budget

🏡 Whether you're a first home buyer in Brisbane, a couple saving in Perth, or a single income earner trying to break into the market anywhere in Australia — this video gives you the honest numbers.

📌 TIMESTAMPS:

[00:00] Intro: The $1 Million Property Reality

[00:43] Serviceability & The 3% Bank Buffer

[01:40] Salary vs. Borrowing Power (Median Data)

[02:50] Couple Incomes: What $150k - $250k Can Buy

[03:57] The 30% Rule: Avoiding Mortgage Stress

[04:55] The "Invisible" Costs: Stamp Duty & Fees

[05:49] Should You Wait for a Market Crash?

[06:40] First Home Guarantee Scheme Explained

[06:58] The Mindset Shift: Reverse Engineering Your Budget


⚠️ This video is for general educational purposes only and does not constitute financial advice. Always speak with a licensed financial adviser before making property decisions.

#AustralianPropertyMarket #FirstHomeBuyer #MortgageAustralia #HousingAffordability #AustralianRealEstate

Righto, let's talk about the current challenges in the Australian housing market, where median house prices have crossed $1 million and interest rates are at 4.10%. This video breaks down what you can genuinely afford on your salary right now, exploring options like the First Home Guarantee Scheme.

We illustrate how rising house prices and interest rates impact your ability to secure a home loan, and the importance of savings and equity in navigating this housing affordability crisis. Whether you're a first time home buyer or just looking into buying a house, this will help you understand the current landscape and your options.