In Your Interest

Monthly expenses could harm your chances of a home loan

The royal commission into banking has persuaded lenders to think in earnest about tighter lending criteria set by the banking regulators several years ago. Capacity to service Though the specific requirements for a loan vary from lender to lender, your capacity to repay a loan is what their inquiries are all about. This is calculated from your after-tax income, minus your cost of living, minus your repayments for existing liabilities. The balance is what is left to repay any potential borrowing amount - your capacity to service. Of course good income, steady job history and evidence of saving all help but there are two things you can do immediately to improve the chances of your loan being a



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A lot can change in 5 years...

Your Home loan doesn't have to 

2 Year* Fixed Rate PPR




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* Also  1, 3, & 5 Year Terms

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Etairos Finance Pty Ltd

ACN 159 947 323

© 2017 Etairos Finance Unit Trust

ABN 68 164 003 471

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Etairos Finance Pty Ltd

ACN 159 947 323

Credit Representative 427654 

authorised under Australian Credit Licence 389328

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