I’m going to start sharing basic details of my client files so you can see realistically what it looks like to be approved for a home loan. Every application is different but you might find your situation is somebody else’s. These clients settled their first home this week and I couldn’t be happier for them! We used the 5% deposit scheme, got pre approval so they knew exactly where they stood and confidently offered when they found the perfect house for them. Salary sac is often more complicated

Understanding Borrowing Capacity Variations