The Mortgage Mistakes Banks Are Punishing in 2026

Why are Australian banks rejecting mortgage applications even when you think you can afford the loan? In this episode of the Help Me Buy Property Podcast, Moxin Reza sits down with mortgage broker Hung Chuy to break down some of the biggest mistakes borrowers and property investors are making in 2026. From excessive credit inquiries and poor spending habits to credit cards, car loans, borrowing capacity and loan structure, this conversation reveals what you should fix BEFORE approaching a bank or mortgage broker.

They also discuss how banks assess your living expenses, income and savings, why multiple credit applications can hurt your chances of approval, and how you can stress-test your own finances before committing to a property. The conversation then moves into some of the major changes affecting Australian property investors, including SMSF lending, LRBA, trusts, companies, borrowing strategies and what could happen to interest rates and the property market heading into 2027.

If you're a first home buyer, property investor, business owner or someone planning to apply for a mortgage, this episode could help you avoid some very expensive mistakes.

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