Borrowing power isn’t just your salary. Banks assess risk by stress-testing your income against living expenses, existing debts, dependents, and buffers for future rate rises. That’s why two people on the same income can receive very different outcomes. #financetok #moneytok #australiatok #realtalk

Ravi Sharma on Instagram: "Most people don’t realise this 👀 Some professions get LMI waivers and special lending perks even with less than a 20% deposit. That can save $20k–$30k upfront when buying property. Knowing the rules (and the right broker) changes everything. Which salary surprised you most? 👇 #PropertyInvesting #AustralianProperty #LMI #FirstHomeBuyers #PersonalFinanceWithRavi"