Hi, our current situation (late 30's, no dependents) is: PPOR (Northern Beaches) in my name, est. val $1.4M* owing $900k @2.75% P&I var IP (Inner West) in wife's name, est. val $600k owing $450k @ 3% P&I var (rent largely covers) (*) Based on comparable sales in late Feb-20 and Dec-19. Q1: How long to wait for these comparable sales to be visible to a valuer, and is there any way of checking this (i.e. Valuer General website, or being able to see these in a desktop val report from the Bank)? Goal is to fund a knock-down rebuild of our PPOR via a volume builder. I'm main income earner at $170k gross, wife is at $95k gross. If my borrowing capacity comes back at around $1.3M, I estimate we could afford the final KDR cost (with some savings). Otherwise (and it may make more sense ATM), I would just equity refinance to 80% of the bank's val and then save hard to fund the balance. Potential Limitation - we both share one Credit Card ($15k limit, no other debt), account is in my name only and payments are direct debited from PPOR offset. This means my monthly expense will look high at around $6k per month. Q2: will my borrowing capacity be penalised for this arrangement, or will the bank take into account my wife's regular transactions into the PPOR offset to reduce my effective expenses (to say $3k/month)? If this arrangement was an issue for my borrowing capacity, I could easily cancel my credit card and get my wife to get one and pay all our expenses on this. But would have to do this soon (in case vals start coming down), as I'm assuming bank will want two months of income and expense statements when assessing my borrowing capacity.