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Paul – FS Concierge
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Thanks for the detailed reply [USER=34822]@Johny[/USER] – I am sure [USER=99849]@nc098[/USER] will appreciate it.

Yes, in my case, I had better equity. On the flip side, I had just left my job which was a mistake because 100% of the serviceability requirement was based on my wife’s income and this capped the borrowing capacity significantly.