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@skupi Yeah the employer is important and the bigger the better, so that means domestic SMEs won’t get same treatment. Has to be one of the major corporations. Given your wife’s company is foreign, not one of the fangs, and short work history, those are all probably credit negative If you...

@skupi Hmm.. that could be it. 18 months is not that long and I think some banks require a minimum of 3 years at current company. Also, a domestic major company will always be given favorable treatment even if salary isn’t that large

@skupi What type of work do you do and how long have you been with your current company? How reputable is your company?