Hi Folks, Question for the brokers out there. At what point should you be disclosing loans/liabilities on a mortgage application? As an example, let's say you buy three properties within the space of a month. Property A settles in 6 months. Property B settles in 9 months. Property C settles in 12 months. Assume that each property is worth 1 million and you've signed a contract on all of them and paid a 5% deposit. If the properties haven't settled, technically speaking are you obliged to be disclosing them or not? I guess what I'm trying to work out is, if you're borrowing capacity is 1 million - can you borrow 3 million by not disclosing the purchases you have in the pipeline? e.g. 1 million with each lender. I understand that non-disclosure is against the rules... but if the properties haven't settled and the titles are not in your name... is it actually non disclosure?