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92k is all income - 2 rentals incomes in that I think. Her salary/PAYE income is well below that so probably why she sees herself as low income. I think most people view it that way until a time where their LVR are low enough or rents high enough that the rental income is viewed as...

Wouldn't the MB mean 700K in loans all up? So 700K minus what you already owe the bank/s is what you can borrow??