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Rolf, So is there any way to get lenders to look at the net result? IE - acknowledge that some people may actually be better off and not penalise them by reducing the amount able to be borrowed. Are any particular lenders better than others in this regard? Thanks, MF.

Thanks everyone for the replys! I know that mathematically most people who salary sacrifice are better off in real net terms (that's why they do it) but I was suspicious about how the banks would view the situation. Seems there may be some problems in this regard. So they'd rather you be in...

Hi All, Just wanted to know if anyone has used Salary Sacrificing options in their employment packages and if so how that affected your borrowing capacity if at all? That is, if I earn about 55k, - 12k before tax for salary packaged vehicle lease, = 43k gross income on paper. But do the...