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A buff up to that and calculate that as your serviceability. Whereas some other lenders will look at the mortgage you have and an interest rate and leave it at that and won’t add a buff up. Meaning, the repayments that they expect you need to make will be lower meaning you’ve got more money available for borrowing with them.

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Brad, I couldn’t have put it better, that’s exactly what it means.Ryan There’s no point us going into which lenders do this or which lender should I goto because, truthfully everyone’s situation is different and these things change all the time, daily, constantly. There’s no point in us saying you should go to this lender for.

This situation or that for that¬†www.valuationsqld.com.au¬†because really what we say today might be different tomorrow. Brad % will be the same but yeah, there always **twigs**, there are always little changes coming. Banks come out with new policies, mortgage insurances come out with different policies, times change. Banks get concerned when there’s trouble in the economy.

So yeah, use a mortgage broker who has access to all information, that’s what we’re trying to say. I have access to the information of all. the lenders whereas you **go and call all the lenders often**, ask every question.Ryan Yeah, so you could pick up the phone and you could call lenders and you could ask lenders what the situation is, but.

the lenders whereas you **go and call all the lenders often**, ask every question.Ryan Yeah, so you could pick up the phone and you could call lenders and you could ask lenders what the situation is, but.

They’re all going to try and turn you on their loan anyway. When I was talking to Don the other day, he was saying ‘look,

Every investor needs to have their investment **tame**, and you need an accountant, you need a solicitor and one of those people that you do need on your team is a mortgage broker and someone that can l.