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No Way...30 years married? - those hands are too young looking! :)

Is that some new bling bling I've spotted on your finger MTR ;)

Yeah I thought that may be the case, but then in the same line you mentioned expenses and rents which is related to CF as opposed to LVR. No probs.

.....LMR:confused:

BT, its my idea first - you can hold the camera tho. :eek: ;)

Bend over skater, stick that toosh out - you are a naughty naughty girl! :D Seriously tho, I guess everyone is different which includes 'perceptions' as well. Two people can have the same information in front of them and read into them differently. To me its not the fact of how he went about...

you mean good ship SS lollypop. :eek:

If you cant meet the banks serviceability the bank doesnt give you the loan. If things go pear shape later and payments cant be made then the bank forecloses. I must be missing something here -Quyen's not in this situation so what's your point?

Hi Quyen, First off, welcome to the good ship SS forum - setting 'sale' to your dream destination. Congratulations and well done on your achievements. You are an inspiration. I look forward to reading your future posts.

Its the same for everyone. Show me a bank/lender that doesnt. :)

Guys, big picture here...Does it really matter what the lvr currently is and what the household income is?? I think not. Its what the investor's done for their financial future.