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Yes, I must admit, I've always wondered how they'd know what the hell you actually spent it on. Rolf, I notice the personal loans for cars are a bit less, even second hand. I gather the lenders would want proof that you bought a car and would secure the loan against the car. Is that right...

Hi everyone, My DSR is being destroyed by the fact that I have a largish mortage on PPOR ($160,000), but my partner is entirely responsible for servicing it in reality (I have paid off my share). His income is not enough to keep the lender happy, but the truth is I put nothing into the loan...