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Hi Monsoon, It seems to me you are right to go!:D I was concerned when you said you lived in a small town but Raymond Terrace is fine. You sound like you have more than enough equity. As long as your income matches up and you can service more debt you shouldn't have a problem! Call...

Hi monsoon, Your borrowing exposure will depend on how small a town you live in. What is your postcode? If you don't want to openly post it, feel free to PM me. You also say you were approved for a much higher amount at the time you purchased your PPOR? How much more are you talking...