Hi guys, long time lurker since the Somersoft days, first time poster (please be easy on me lol). I am looking at buying my first property. I have worked my butt off and managed to scrape together a $60K deposit. (I don't have the luxury of an inheritance or guarantor ) My choice of career has started to pay dividends over the last 2 years. I am on a base income with a bonus structure attached to this. (Base 110K, average income over the last 2 years circa 187K - Minimal debt). But as we all know commission it is never guaranteed. I am hoping to enter the market asap before things get out of reach. I am a newbie and would greatly appreciate your advice and feedback on what my maximum borrowing capabilities are? Cheers YB.