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Thank you for your concern, but based on my calculations, I actually think bank's estimates are much greater. Or maybe I am used to living a 'tight' life. Even if I get no tenants forever, I could still cover the mortgage cost based on my current expenses. So I think it should be fairly safe...

If it helps, my case: This will be my first ever property, but intended for IP instead of PPOR. I don't think I have an existing credit file because my car was paid in cash and I don't take 'bad' debts. I am a young working professional and I am between 1 - 2 years into my first job. I...

I'm being recommended to go for Macquarie or Citibank Investment loan, at 90% LVR. Are the Big 4 really the preferred choice?