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How Having Dependents Affects Your Home Loan Borrowing Power in Australia

How Dependents Impact Your Borrowing Capacity for a Mortgage in Australia When applying for a mortgage in Australia, the number of dependents—children or family members you financially support—can have a significant effect on the amount you can borrow. Lenders weigh...

Jul 22nd, 2025
Can You Get a Home Loan with ATO Debt in Australia?

Securing a Home Loan With ATO Tax Debt Applying for a mortgage is complicated enough, but if you owe money to the Australian Taxation Office (ATO), the process becomes even more challenging. Many Australians ask: Can I still get a...

Jul 22nd, 2025
Three-Year Investment Property Plan for Tanya: Scaling from Zero to Three Homes

Rapid Path to Three Rental Properties in Three Years Tanya is a self-employed tutor and single mother in Torquay, VIC, determined to build a three-property portfolio within 36 months. This strategic roadmap shows how she can progress from zero holdings...

Jul 22nd, 2025
Borrowing Power Plan for Tanya: Single Mum and Self-Employed Tutor in Torquay

How Tanya Can Secure a $700,000 Investment Property in 2025 Tanya is a self-employed tutor and single mum in Torquay, VIC. She wants to buy a $700,000 investment property but currently faces a monthly shortfall under her lender-assessed figures. By...

Jul 21st, 2025
Borrowing Power Assessment for Joseph (NT, Self-Employed)

Borrowing Power Assessment for Joseph (NT, Self-Employed) Snapshot of Financial Position Detail Amount / Notes Age 49 Employment Self-employed (ABN held for 5 years) 2024 FY Income $300,000 (Declared on NOA) Rent Paid $550 / week Savings / Deposit $50,000...

Jul 20th, 2025
How Mel and Ronald Can Afford a $700,000 Investment Property in 2025

Bridging the Gap: Financing a $700,000 Investment Property Mel and Ronald want to buy a $700,000 investment property but currently have only $154,600 in borrowing capacity and $194,000 in deposit and usable equity. To secure the required $560,000 loan, they...

Jul 19th, 2025
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