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There's changes coming to Adelaide, this will likely filter through to the mortgage managers. If FirstMac aren't already adjusting their servicing criteria, it's only a matter of time.

Of all the lenders I've spoken to so far, they're either already very conservative, or APRA is knocking on their doors. There's been discussions among brokers that there's a few smaller lenders with generous servicing, but they're not going to stay that way much longer. These days I'm simply...

There's still no context to actually assess this on to be able to give you a clear estimate of your borrowing capacity. Borrowing capacity isn't anything simple and it's not getting easier. Speaking with some lenders today, there's still more changes in lending capacity to come. It's...