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Thanks Terry, good food for thought I had not considered that, very handy to know, hopefully we plan/save/hustle like mad while she still in bankruptcy and then bring her income on board too once we in the clear. Matto, yeah, maths on that one was pretty crook ha ha might need to revisit...

Yep, understood, had 20% down on previous buys and avoided LMI etc, however with less to work with this time round, bigger plans and leaving the wife's income off I wasn't sure what was available, thanks again for checking it out for me, cheers.

Hi Terry- I only have a basic understanding of bankruptcy (declare, do your time in sin bin, earn under certain amount during this time or you have to start paying creditors back, no financial contracts, credit etc), a year or so after discharge with good credit you can start to access credit...

Nice one Shahin, thank you. Cheers Stu

Thanks Shahin, 1. When did you wife become bankrupt? September 2010 2. When will she be discharged? This September 3. Is the current property in both names or single name? Everything is in my name only. 4. Can the new purchase be only in your name? That's what we would like to do...

HI all, due to number of setbacks have had to put investment plans on hold however am now hoping to go again, would really appreciate any advice on loan options available, realise this may overlap with some other similar threads but have few extra details thank you! Quick numbers as below...