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I'm on lower than median salary too. Just need a path from a broker on best lenders to use and in what order. Using lenders that use DUA (Dual Underwriting Authority, ie the banks do their own LMI rather than through an insurer) allows you to borrow at high LVR's for longer, allowing people like...

Going through broker or not has no effect on what you can be offered. A good broker will negotiate rate on your behalf though, and use your existing total as primary reason why you should get it. Corey got me down to mid 4's with Westpac