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Hi Brady, Happy New Year. So to clarify, CBA are going to get (or would prefer) proof of income for the guarantors, but arent going to run a serviceability calc on the current debt and the guarantee amount? Perhaps I have been avoiding CBA guarantees unnecessarily?

As a guarantor loan, the guarantor bank will most likely limit you to just one IP. You can get away with more than one guarantee if there is more than one sibling, and you can sometimes squeeze an IP as well as a PPOR, but the chances of multiple IPs are slim. Further, many lenders wont...