How much should someone trust your banks online mortgage calculator?
I was f**king around with commbank's one and it says they'll only give me slightly more than my total assets worth (savings, shares, cash, cars) even though my expenses are only 65% of my base pay (after tax).
I know they can't use irregular overtime and irregular non-taxable income to work out loans, but when it makes up an average of 30% of someones income over a few years, they can't just ignore it?
I'm not looking for a mortgage, or even sure if I want one, but just curious.