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Yes I know this but apparently the debt I have with my brother cuts out those options.

All of the ones I'm able to borrow from. The approach my mortgage broker takes is he says always try to get loans from the most difficult banks when you're starting out. As you acquire more and your circumstances become more complex, you want to leave the best / easiest sources of finance till...

Actually it went up by 50k last year, and this will be my second year of an additional 50k. I just didn't mention it as I didn't want to complicate my original post. But I'm aware that most banks will need at least 2 years worth, so that's what I'm aiming for. So yeah I'm waiting anxiously for...

After my last purchase in December, I hit my max borrowing limit, but this year my income is expected to jumped by around 50k (I had a tonne of business expenses to deduct last year, which I don't have now). So my income hasn't really increased, just my deductions will have decreased...