Beyond the headlines. Into the numbers.https://www.marketsignal.com.au/https://www.marketsignal.com.au/articles/how-much-can-i-borrow/https://www.marketsignal.com.au/articles/how-much-can-i-borrow/Lenders don't use a salary multiple. They test whether your income covers your living costs and debts at a rate well above today's. Here is that test, worked through step by step.Mon, 02 Nov 2026 00:00:00 GMThttps://www.marketsignal.com.au/articles/offset-vs-redraw/https://www.marketsignal.com.au/articles/offset-vs-redraw/Both features cut your interest by the same amount. The differences are in access, flexibility and tax, and they matter most if your home might one day become an investment property.Fri, 30 Oct 2026 00:00:00 GMThttps://www.marketsignal.com.au/articles/gross-vs-net-yield/https://www.marketsignal.com.au/articles/gross-vs-net-yield/A 4.8% gross yield can be a 2.9% net yield once costs and vacancy are counted. Here is the calculation line by line, and what it means for cash flow.Wed, 28 Oct 2026 00:00:00 GMT