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I ran the income of $81,500 with no other figures at all through a very quick and nasty Genworth calculator. It came up with more than $700k. It's in no way reliable, but it does warrant a little further investigation.

A quick glance at the various lenders in your software suggests that most have an assessment rate of 6.8% to 7.4%, with a couple higher still. Westpac has an assessment rate listed on 4.84%, but they have additional internal calculations which make this irrelevant. The assessment rate is...

I think the real question you're asking here is which lenders have the most generous serviceability? There are certainly some lenders with very basic loans at low rates, but I suspect their servicing criteria isn't quite as good as some mainstream due to the secured nature of their lending...