Lucinda Hartley

speaker

349 appearances 1 recordings 1 series first heard Apr 2026 last heard 27 Apr

Lucinda Hartley’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Apr 2026 with 1.

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And, you know, we work with people all the time every day and they might have the same income and you've got two people earning $100,000 a year.

One of them might be able to borrow $50,000, $70,000, $100,000 more than the other one.

They're earning the same because one's got a car loan and a couple of credit cards.

Now, dependents also affect your borrowing capacity.

And, you know, I guess it's an assumption.

I think it's reasonable that, you know, you have more expenses when you've got kids.

I certainly know that's the case for me.

Yeah, that's the case for me.

So I understand that, but it can make it challenging as well.

Well, it is still considered mortgage stress, but I think the reality is that almost all of us are in mortgage stress.

So, yeah, the traditional rule is don't spend more than 30% of your income on rent or mortgage.

If you look at the statistics, you know, renters are spending about 32%, I think it is, just over 30% on average.

It's not everybody on rent.

Mortgage holders closer to 50%.

sometimes even closer to 60% in Sydney.

So that would score on that scale as extreme mortgage stress.

Now, I do think people are struggling.

I do think it's really difficult to spend 50% or 60% of your income on your mortgage.

I don't think that that's something that we should just accept as normal and carry on.

But I do think that it is a reality.

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