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Hi SG ANZ serviceabilty is on the lower side, based on the very surficial data u may be able to get some more rope until u can improve your cashflow position. Some other lenders will have a much better service model for you Speak with an independent broker. What is your current...

uncreative I know............... speak to some other brokers or lenders to ensure that yoru servicing is the problem. Obviously, your actual cashflow position isnt good, so selling one to realise equity is possibly not a bad option. ta rolf

If you dont want to sell a place maybe get a second job or do a small business for while. Obviously, right now, you cant make the hole bigger even of you wanted to, so it does look like you need to do something to balance the cashflow ta rolf

DSR is flexible LVR generlaly isnt If push comes to shove one can make more income preety much straight away, but its hard to make more equity straight up ? ta rolf