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Thankyou for all the responses. We would like to know the max we could borrow so we know what our price range will be. Saving for a deposit isnt a concern as I have some equity in my IP.

Initally as home owners then later turn it into an IP. We have hoping to borrow at 95%. We can probably save $30K-$40k. Aiming for a $400k property.

My partner and I want to purchase a property very soon. Depending on the borrowing capacity we will then start saving up for the deposit. Approximate figures below: My Income: 60k p.a. + SG (Full time) 10k p.a. + SG (Casual) $375 rental income per week Loan balance $364,172 Spouse...