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Do you mean personal rent on the place you are livjng in, or the rent from an IP? MY 40% figure was referring to those contemplating a PPoR.

I have found that the zeros on the end don't make much difference after a while. The SANF for me comes back to the LVR and DSR. I would be more than happy to be servicing $100m in debt with an LVR of 70% and a comfy DSR - tomorrow. Of course; you would want it to be spread over a number of...

Yep. no more than 80%, and no more than 40% of income towards repayments of all loans/debt. Having been the lucky recipient of fluctuating positions of grandeur and chaos financially over the years; I'd recommend this.