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Your incentive income might be ok before interest rates go up anyway. If you make your target and get the commissions/bonus over 2 years many lenders will accept the 2 year history. Im looking at making a similar role change with more bonus for more upside, but lower base. Kind of happy with...

Damn and I'm renovating this place a bit too, was hoping to do an LMI cashout to 90% after 6 months since last val. I guess that's off the cards now and I'll have to count my LMI paid already as a one-off cost. With all these policy & APRA changes, it looks like the party is over for us LMI...

Thanks, at least these 3 have the best servicability for me. 4 years to go anyway, and hopefully 4 more pay rises :)

Interesting thread! Anyone know the policy for extending I/O on the following? * NAB * Macquarie * AMP Do they need new applications or assessments of serviceability?