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A major bank has increased the rate it uses to check potential borrowers can afford a loan. \\xa0
\\nANZ has upped its test rate to 9.1%. \\xa0
\\nThat\'s despite home loan rates sitting around 7% for a two-year fix.\\xa0 \\xa0
\\nIn past week ANZ and Westpac have raised interest rates.\\xa0
\\nSquirrel Mortgages Chief Executive David Cunningham told Mike Hosking the test rate doesn\'t make much of a difference. \\xa0
\\nHe says the good news for first home buyers is that compared to two years ago, because property prices are lower, they can still afford the same amount based on the test rate.\\xa0
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