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No I'm referring to the total gross figure you earned in that financial year for your PAYG income. @ 80% LVR you don't need to wait 6 months but don't want to sugar coat it either - you will need to massage it through at 80% and just started employment. A lender like NAB is good in this...

Depends on LVR and if you are paid PAYG or to an ABN. Over 80% LVR and paid to an ABN is not a good combo. Everything else is *fine* but the standard stuff applies like any other application like duration of current employment, occupation, line of work ,etc. If you go over 80% depending...