Bank Math 101: How Credit Cards, Cars & Your Paycheck Affect Your Home Loan
Update: 2025-07-10
Description
In this episode Chereè and Derek break down “Bank Math” — the real formula banks use to decide how much you can borrow.
From how credit cards and car loans quietly crush your borrowing power, to the mindset shifts that make the biggest difference, they unpack what it really takes to get into your first home. Plus, the inspiring story of a 19-year-old welder who bought his first house by driving a “shitbox” and working 60-hour weeks.
The Fast Track Podcast is presented by Aera — the podcast that helps Kiwis get into their first home, faster!
This podcast is proudly produced by the team at Fanaticals.
Hosted on Acast. See acast.com/privacy for more information.
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