I've read a few posts where it's mentioned that by borrowing from particular lenders in a particular order you're going to stretch your borrowing...
I am simply amazed by the changes in this space we have seen in the last 6 weeks since the week after the election. It seems servicing rates are...
I'm new to buying property and have gotten myself into a a tight situation. In early 2017 I signed a contract for a piece of land in Truganina....
Hi all, We are couple with a pre-school kid, total household income of $190K (pre-tax) and approx $50K yearly expenses, a credit card with $10K...
Hi experts, With the recent interest rate cut one of my friend was requesting pre-approval for his first home. He was advised for x$ and then in...
Why rate cut can lower our borrowing capacity The potential rate cut from RBA next week is a hot topic ATM. Paying less interest seems in our...
Hi Guys, I have what you may consider to be a rookie question but that's just because i am a rookie in this field and will need advise on next...
Is it possible to have a guesstimate of my borrowing capacity based on the below? I bought a property last year. Before borrowing the property,...
Hi everyone I've hit the servicing wall from the banks perspective :s However have significant cash savings in offset, so was wondering whether...
Hi All, I believe lenders assess gross income the same for full time and part time employment (unlike casual). However, do lenders ever use an...
With fast drops in house prices, key regulators are now beginning to worry about the state of the housing market and the potential impact on the...
As of January 1st 2019, all regulated lenders will need to adopt a common approach to the method of assessing credit card commitments for loan...
If we wanted to borrow for another IP, while I'm not employed (will be self employed), would we be able to borrow say $1.5m? We have other...
The newest thing to grab the regulators attention is credit cards. Well it's not actually new, but it's starting to look like it's actually...
Hi all, Long time reader, first time poster! Background: me and my fiance are 28 and are looking to stop renting and make the plunge in the next...
Hi All, here is our current situation/numbers. my salary 120k base, partners 88k base, side ABN business by partner 30k a year. this coming...
Hi all, Newbie but loving all the information on PC. We recently purchased a 2 bedroom OTP apartment as an IP (Probably wasn't the best move...
I have some confusions around loan liability and hoping experienced members here be able to help me clarify my doubts. I went to see broker to...
hi all, Question around borrowing power. How does banks measure or estimate living expenses? Is it based on your actual spending or do they have...
Hi there, I'm currently researching the details for my first demolition/subdivision construction project. I'm trying to figure out what would...
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