PHOTO: All your actual spending habits from Netflix to online shopping now go under the microscope.

A SHOCK new broker survey has revealed one in four homeowners given home loans last year would fail new bank tests if they applied today.

Everything from Netflix habits, to your online spending spree, and even how many times you chose to use the tollway rather than take the long way around are going under credit microscope.

“Banks are reviewing an applicant’s actual expenses, rather than using the traditional household expenditure measure method” this year according to the latest HashChing broker survey.

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