30/10/2026
You earn that overtime on night shifts, weekends and public holidays. Your borrowing power should reflect it.
Most banks don’t count overtime the same way. Some use all of it, some cut it back, and some ignore it unless you’ve got years of history. Same couple, same payslips, and a $144k difference depending on which bank you ask.
Before you start house hunting, find out which lenders count your income properly.
Reach out and I’ll run the numbers for you.
Example based on a couple with combined income of $200,000 including $40,000 of overtime and allowances, no other debts. Borrowing capacity estimates only, subject to lender assessment, not a quote or advice.
