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Some lenders assessment rate is 7% and other are 8% or more, also things like regular overtime can also have an impact on the amount you can borrow. For example, some lenders will take regular overtime at 100% and others at 50%. In some case?s we have had a yearly bonus used as income for...

Unless they are living rent free with family and the LVR is 80% or less, then some lenders don't include the notional rental amount. Cheers,