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@Tenderloin I've looked with 3x brokers and a 2 big banks directly (who I have my debit and credit card with) and max I can borrow is 4.5x, even if putting down 25% deposit. Surely this must mean house prices will fall.
I need to wait for the adjustment to happen really but I am a FTB, saved hard for my deposit and I've found an ideal house.Edit - on your friend - HSBC offered me 4.5x with 90% LTV about 2 weeks ago so I'm sure they will be fine.
bobble
Tenderloin
A friend was waiting to hear back about their mortgage at 4.5x salary - ive sent them a text to ask how its going