{"id":13918,"date":"2018-09-04T17:01:37","date_gmt":"2018-09-04T05:01:37","guid":{"rendered":"https:\/\/propertynoise.co.nz\/au\/?p=13918"},"modified":"2018-09-04T17:01:37","modified_gmt":"2018-09-04T05:01:37","slug":"one-in-four-homeowners-would-fail-new-mortgage-tests-as-banks-crack-down-on-living-expenses","status":"publish","type":"post","link":"https:\/\/propertynoise.co.nz\/au\/one-in-four-homeowners-would-fail-new-mortgage-tests-as-banks-crack-down-on-living-expenses\/","title":{"rendered":"One in four homeowners would fail new mortgage tests as banks crack down on living expenses"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p><strong>PHOTO:\u00a0All your actual spending habits from Netflix to online shopping now go under the microscope.<\/strong><\/p>\n<p class=\"standfirst-content\">A SHOCK new broker survey has revealed one in four homeowners given home loans last year would fail new bank tests if they applied today.<\/p>\n<p class=\"standfirst-content\">Everything from Netflix habits, to your online spending spree, and even how many times you chose to use the tollway rather than take the long way around are going under credit microscope.<\/p>\n<p class=\"standfirst-content\">\u201cBanks are reviewing an applicant\u2019s actual expenses, rather than using the traditional household expenditure measure method\u201d this year according to the latest HashChing broker survey.<\/p>\n<div>\n<div dir=\"ltr\">\n<div><b>AUSTRALIAN PROPERTY NEWS &#8211;\u00a0\u00a0<span style=\"font-size: large;\">JOIN OUR 30,000 PLUS SUBSCRIBERS<\/span><\/b><\/div>\n<div><span style=\"font-size: large;\"><b>\u00a0<\/b><\/span><\/div>\n<\/div>\n<\/div>\n<div>\n<div dir=\"ltr\">\n<div dir=\"ltr\"><a href=\"http:\/\/eepurl.com\/b-0d_f\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=http:\/\/eepurl.com\/b-0d_f&amp;source=gmail&amp;ust=1536006091417000&amp;usg=AFQjCNFCiqeqJrORaGoOqzITClbooPtijw\" data-mt-detrack-inspected=\"true\"><strong>GET INFORMED: RECEIVE OUR FREE E-NEWSLETTER 1 X A WEEK PLUS OTHER PROMOTIONS<\/strong>\u00a0<\/a><\/div>\n<div dir=\"ltr\"><\/div>\n<div dir=\"ltr\"><\/div>\n<div dir=\"ltr\">\n<div><a href=\"http:\/\/eepurl.com\/b-0d_f\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=http:\/\/eepurl.com\/b-0d_f&amp;source=gmail&amp;ust=1536006091417000&amp;usg=AFQjCNFCiqeqJrORaGoOqzITClbooPtijw\" data-mt-detrack-inspected=\"true\"><img decoding=\"async\" class=\"m_-3500885434512983393m_1945944798296288881m_5003593479474507777m_8013283371971675607m_-239257146864912038m_1739817971422532896gmail-m_-5672678202854420931m_-1174253372178555362gmail-alignnone m_-3500885434512983393m_1945944798296288881m_5003593479474507777m_8013283371971675607m_-239257146864912038m_1739817971422532896gmail-m_-5672678202854420931m_-1174253372178555362gmail-wp-image-12482 m_-3500885434512983393m_1945944798296288881m_5003593479474507777m_8013283371971675607m_-239257146864912038m_1739817971422532896gmail-m_-5672678202854420931m_-1174253372178555362gmail-size-medium lazyload\" data-src=\"https:\/\/ci3.googleusercontent.com\/proxy\/Dz2P_03R8icyFJl5TsBu2iAGLmze5HFg08s6vV0SpYS3cDTQN4P3TRJ0zlTOAIzpWKB04TzHsQfKUsgoFdLT4BX5TvaKFb0kIQzpR_SzCkNh6dzW-nDhtVHyg4ESBsNIqP9q7PSkQfdlgdhvv2U=s0-d-e1-ft#http:\/\/propertynoise.co.nz\/au\/wp-content\/uploads\/2018\/05\/newsletter-sign-up-300x73.jpg\" alt=\"\" width=\"300\" height=\"73\" data-srcset=\"https:\/\/propertynoise.co.nz\/au\/wp-content\/uploads\/2018\/05\/newsletter-sign-up-300x73.jpg 300w, https:\/\/propertynoise.co.nz\/au\/wp-content\/uploads\/2018\/05\/newsletter-sign-up-465x114.jpg 465w, https:\/\/propertynoise.co.nz\/au\/wp-content\/uploads\/2018\/05\/newsletter-sign-up.jpg 637w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/73;\" \/><\/a><\/div>\n<\/div>\n<p>CLICK HERE for our\u00a0<b>New Zealand<\/b>\u00a0Property News:\u00a0<a href=\"http:\/\/www.propertynoise.co.nz\/\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=http:\/\/www.propertynoise.co.nz\/&amp;source=gmail&amp;ust=1536006091417000&amp;usg=AFQjCNFiUjJyPcZ0hGEBcDpgpiXuVyq3Hg\" data-mt-detrack-inspected=\"true\">www.propertynoise.co.nz<\/a><a href=\"http:\/\/www.propertynoise.co.nz\/\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=http:\/\/www.propertynoise.co.nz\/&amp;source=gmail&amp;ust=1536006091417000&amp;usg=AFQjCNFiUjJyPcZ0hGEBcDpgpiXuVyq3Hg\" data-mt-detrack-inspected=\"true\">\u00a0<\/a><\/p>\n<\/div>\n<\/div>\n<p>READ MORE VIA <a href=\"https:\/\/www.realestate.com.au\/news\/one-in-four-homeowners-would-fail-new-mortgage-tests-as-banks-crack-down-on-living-expenses\/\">REALESTATE.COM.AU<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; PHOTO:\u00a0All your actual spending habits from Netflix to online<span class=\"more-link\"><a href=\"https:\/\/propertynoise.co.nz\/au\/one-in-four-homeowners-would-fail-new-mortgage-tests-as-banks-crack-down-on-living-expenses\/\">Read More &rarr;<\/a><\/span><\/p>\n","protected":false},"author":2,"featured_media":13919,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[461747081],"tags":[478098512,478098521,478098566,478098542,478098519,478098706,478098535,478098522,478100767,478098513,478098579,478098510,478098514,478098511,478098509,478100768,478100766],"class_list":["entry","author-wpcomsupport","post-13918","post","type-post","status-publish","format-standard","has-post-thumbnail","category-australian-property-real-estate-news","tag-australia","tag-australians","tag-first-home-buyers","tag-home-loans","tag-home-ownership","tag-homeowners","tag-house-prices","tag-interest-rates","tag-netflix","tag-property","tag-property-market","tag-property-news","tag-propertynoise","tag-real-estate","tag-real-estate-news","tag-spending-habits","tag-traditional-household-expenditure"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>One in four homeowners would fail new mortgage tests as banks crack down on living expenses - Property News Australia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/propertynoise.co.nz\/au\/one-in-four-homeowners-would-fail-new-mortgage-tests-as-banks-crack-down-on-living-expenses\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"One in four homeowners would fail new mortgage tests as banks crack down on living expenses - Property News Australia\" \/>\n<meta property=\"og:description\" content=\"&nbsp; 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