If you use Afterpay, your bank might reject your home loan application, page-26

I pretty clearly said that its all about the bank calculating borrowing capacity as you just said. I didnt have any issue borrowing money at all and I doubt Afterpay would have made any difference at all. Im simply sharing what my experience was. The bank will look at it and ask questions if its on your statements and that's fair enough. Weather that affects your loan approval depends on what you owe and how well you keep the account, just like any other liabilities and your spending habits. I also, to clarify hold a small parcel of APT and think it's a great option for consumers and investors. Sentiment updated. Buy-Held