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The obvious (and correct) way is to make it service on the remaining income. I have known people who obtained a loan whilst pregnant, knowing that the baby would be born prior to settlement and that their change in circumstances might make servicing difficult. It was a bit of a case of...

Tracy I admit it's been a long time since I've heard this and it could easily be argued around. Something like this could be considered in an overall 'credit scoring' scenario. Credit scoring is quite arbitrary. Things contributing to a loan being declined can include, 'too many credit...

Addressing what you're trying to do to get around servicing issues post baby, some pre-approvals might hold up, some wouldn't. May pre-approval don't have anyone check the supporting documents, and it all has to be re-supplied at actual purchase. Some lenders only do the employment check as...