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I had an ex client call me today (I don't write loans anymore) who borrowed to his max a few years ago and now requires a loan increase to buy a new car. His car is only 3 years old but he needs a new one. Then he admitted he also needs to pay out 20k in credit cards from spending up big on the...

I've found that the ones skating that close to the edge are those that maxed out their borrowing capacity on two incomes with the brand new house and land packages and then the wife stays home after having a baby. There have been a number of people in my circle that have rented out their home to...