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Daniel

2 months ago

Hi Ryan - Would love to have a copy of your payslips and centre link income to qualify you for new borrowing. Regards Daniel

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Rishi

2 months ago

Hi Ryan, There are lenders who consider the Allowances from the government and Maternity pay for servicing and in order to assist in a better way I need to look at the full situation and can only comments after assessing the info provided. Please feel free to contact me to discuss further. Regards, Rishi

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Girish

2 months ago

hi Ryan, we would really need to have the full financial span shot to give you a realistic solution , there could be several options on the table , happy to discuss ,you can find my contact details on the broker profile . Give me a call for a quick chat

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Jarrod

2 months ago

Morning Ryan, We can arrange an upfront valuaiton on your property to confirm the current value as it is best to have a loan that remains below 80% of the property value so you avoid a mortgage insurance premium. I can also send you a property report directly prior to the valuation if you like? With respect to your borrowing capacity, I would need to understand your current employment position as well as the benefits your wife may recieve from her employer. We can then review the avialable government benefits as well. We then need to marry your future icnome position up against your current financial liabilities and living expenses to determine your borrowing capacity The good thing is some lenders will consider your wifes return to work income if we can support this via a letter from them. Would be great to chat further if you have some time and happy to provide the property report for your consideration. Cheers, Jarrod

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MARK

2 months ago

HI Ryan, we work with a variety of Bank and lenders offering competitive solutions to customers. We will be more than happy to help you try to achieve your goals. Please click my profile and contact broker for me to get in touch with you.

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Sunil

2 months ago

Hi Ryan, We need to look at complete picture. Your total income and all liabilities that are supported through this income. Debt consolidation should not be an issue as long as servicing is evident based on both of your incomes plus Family tax benefit payments if any. A lot of different lenders and lot of different possibilities. Unless we go through everything in details, almost impossible for anyone to tell you, what options are available to you.

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Adam

2 months ago

Hi Ryan, a couple of things to consider... if your valuation is correct the additional $35k will push you slightly over 80% borrowing and even though it won't be much you may have mortgage insurance kick in. Also consider the cost on the $35k over the life of the loan. ie you have lower repayments but interest over the full life of the loan. This can be reduced by extra payments though. best of luck with it.

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Kyle

2 months ago

Hi Ryan happy to help this is my specialty! If you click on my profile and choose contact broker it will give me your phone number and I can call you to get the more intricate details, prepare a recommendation and help you switch. Each lender has their own appetite for lending and calculate capacity slightly differently so the information will help me choose a lender and ultimately save you money.

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David

2 months ago

Hi Ryan, you may be able to borrow what you need but for clarity we will need more details about your financial position. Let me know if you would like my assistance to work this out fully. Enjoy your day.

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Jason

2 months ago

Hi Ryan, congrats on the arrival of your second child! Exciting times no doubt. I'm happy to come catch up and go through your Borrowing Capacity and discuss your options with you. In the meantime I can run a few desktop vals to obtain an indication of your property valuation. Please inbox me if you'd like me to assist. Jason

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George

2 months ago

Hi Ryan, we would need to sit down and go over your current situation. Refinancing the debts into the home loan will reduce your monthly commitments. Give me a call and we can arrange to catch up so that we can tailor a solution for you and your growing family

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Aaron

2 months ago

It should be fine as you can include family tax benefits for income to show you can afford it, and you definitely have lower repayments due to paying off the unsecured loans.

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