Hi guys hopefully some of you on here can give me advice on this one. Currently have 1 ip in Frankston South mortgage of 336k on it and conservative value of around 460 (I think a little more but best to be conservative) Looking to obtain finance for a 2nd property hoping to use a parental guarantee to loan 106% of funds. Have been offered 505k from nab @4.74 with p&i repayments. I am self employed last years taxable income was 52k this financial year should hit 62k, partners was 67k and should be same or slightly higher next year. Ideally I want to get more funds than 505k but worried about changes in lender policy etc so not sure if I should take it while I can? So to cut to the question, if I wait until the end of this financial year and earn that extra 10k roughly how much more will the bank be willing to loan us? Currently got 10k savings and should have around 40k by end of financial year. Hope someone can offer advice. Thanks.