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  1. H

    Finally got my first mortgage at 42 and here’s what I learnt

    @baccano The bank assesses how much income you have left over at the end of each month after taking into account minimum assessment rates on your new loan, credit card, personal loans etc with your declared living expenses (if higher then HEM otherwise HEM is used) If you pass with a $500+ a...
  2. H

    Finally got my first mortgage at 42 and here’s what I learnt

    @sparkydave If you pass servicing by more then $500 and provide one payslip (FT or PT), you don’t need to provide bank statements if you’re getting a loan through Commbank.
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