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With an LVR below 60%, most lenders wouldn't even glance at your income documentation unless you pointed out to them why it doesn't service.

Sorry about that. The file's too large to attach to a post. Send me a PM with your email address and I'll forward it directly.

That's probably about as good as it gets with online calculators, which is why they're generally worthless. Also the equity in your PPOR doesn't really add to your serviceability, it adds to your potential security. Brokers pay a lot of money (either directly or through other fees) for...