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I don't know that I can give you an answer on that based on the info available. I'm happy to have a more in depth discussion about it to give you some ideas and direction. Please get in touch with myself or another broker if you want to do this.

It's great that you've got a strong deposit. Unfortunately this isn't considered when it comes to your ability to make repayments; it's your income that determines how much you can borrow. Realistically your current income isn't enough to allow you to borrow $400k at this point in time...