Hello everyone, I’m a long time lurker but first time poster. Just wondering if anyone can help me with their experiences. I made my first home loan enquiry with NAB loan specialist yesterday for around 55% of the purchase price. I work in stable full time employment but my pay is low (48k gross or ~43k net plus 10k Family Tax benefit) We have a 13 months old and wife is on maternity leave for another 11 months. (No debts, no credit card and rent free for the past couple of years as inlaws are traveling overeas) NAB says max they can offer now is ~425k loan or come back next year and apply for a joint loan and the loan amount can be upto 970k. We like to buy this year and settle in the new house while my wife is off work but the ~425k loan is about 50k short of what we like to get. Should we try another bank / broker or 425k is already the max they can offer us ?