Dear Ms Wise, my partner and I want to buy a home. We’ve got a decent deposit saved, but I’m worried that her Afterpay account – which, to be fair, she always pays off in full – will count against us. She says my Sportsbet account, which I use around once a month, is a bigger liability. Any advice? – Tim

The wisdom: Brett Sutton, mortgage broker at Two Red Shoes, says he’s seen “countless clients” surprised by how much scrutiny lenders apply to their financial habits.