Hi all, Quick summary... Looking at refinancing our current home loan with the possibility of including all other debt (credit cards etc). Current home loan of $595,000 and other debt of $35,000 with house valued at $775,000+. I’ve done some brief research and believe there may be issues due to the arrival of our second child and the fact my wife is only working four days a week at the moment therefore limiting our current borrowing capacity. Anyway, if someone believes they may be able to work with us on this matter, or has any suggestions, let me know. Thanks.