I worked full time for the last 10yrs and at the moment bringing in at least $3000 after tax per fortnight. My husband and I are paying off our mortgage which is around 50k otherwise we don't owe anything as we own everything else. Our 2 kids are grown up and my 22yr old son wants to go half with me on real estate. My son works fulltime as well earning around $80k a year. My husband is retired and I'm 48yrs old. Am I still able to borrow money for either investment or new house? and how much am I allowed.