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All banks have different rules around what income can be used and how existing liabilities need to be factored into your borrowing capacity.

Australian mortgage brokers do not usually charge a fee for their loan consultation as they are paid by the lenders for introducing loans.

The conversation usually goes on and it then becomes about the hassle they are having with the bank during a construction or they are speaking to their bank about fixing the term of a loan and trying to negotiate a better deal.