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Funny you say that, a broker I spoke to before going straight to BOQ provided pre-approval up to 525k. We needed around 550k. BOQ was happy to go even higher if needed. I got the tip from a REA in our area to talk straight to the BOQ branch manager and both my wife and I were very happy with the...

Home loan is with BOQ, personal loan with NAB. Marty, as indicated all financing was based on single income, even though we now have two. Even in the current scenario we can save approximately 2.5k per month, if we would want (meaning we could potentially pay off the personal loan quite a bit...

Thanks guys, will give our bank a call once the renos are 100% complete. Which will probably be after the personal loan has been repaid ;-)

Hi people, I think I know the answer to this, but would still like to throw it out here to see whether I may be wrong. We bought a PPOR in June last year, run down house (ex-rental) in good suburb. It's our first home. Wife works part time, 2 kids. Wife wasn't working when we bought it, so...