Hi, I read on here that people make up a statement for the bank when applying for loans.All my loans are with St George so I want to try other banks now.
I have started and would like to know if I should add anything else.
I have listed assets (properties) and loans against them showing 56% equity. I haven't had any valuations since buying but pretty much know the value (will that mean anything?)
I also listed outgoings (interest, rates, strata etc) and incomings (rent, wages etc) showing I can afford more loans.
I've mentioned that I salary sacrifice but this can be stopped at any time as it's voluntary. Also that credit cards are paid out each month thus incurring no interest. We have no loans other than the property ones.
Anything else I should add?
I have started and would like to know if I should add anything else.
I have listed assets (properties) and loans against them showing 56% equity. I haven't had any valuations since buying but pretty much know the value (will that mean anything?)
I also listed outgoings (interest, rates, strata etc) and incomings (rent, wages etc) showing I can afford more loans.
I've mentioned that I salary sacrifice but this can be stopped at any time as it's voluntary. Also that credit cards are paid out each month thus incurring no interest. We have no loans other than the property ones.
Anything else I should add?