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As mentioned before 3 lenders will lend on those numbers - the other thing you need to consider is the LMI conditions since your LVR is over 80%. For example, if you just started your employment then this is a big problem. So you need to address these conditions/policies. Regards Shahin

You will be able to borrow high $400's with at least 3 lenders so servicing is not an issue and this is including 2 dependents. Regards Shahin