Hi, To buy property you need both serviceability and equity. Curious to understand the salary levels of forumites. Guidelines: *If you have a partner who is happy to be in on joint loans, please include their salary, otherwise just use your own salary/wage/business income. *Include money you may have deducted from your take home pay like salary sacrifices since you can change your mind on that and convert back to normal pay at any time. *Don't include income from investments such as property or shares. *Don't include employer super contributions etc.