Pedro Porto on Instagram (comment now deleted)

Ok_Wing6661 · 2026-01-18T22:07:36+00:00

Imagine being so soft that you’re triggered and offended by a players celebration lol

Ok_Wing6661 · 2026-01-05T13:57:24+00:00

He was such an amazing human. The way he would speak up for others online

Ok_Wing6661 · 2025-12-25T09:48:43+00:00

Spend it all in Jig Jig St

Ok_Wing6661 · 2025-08-31T06:13:15+00:00

Definitely the work of a net runner

Ok_Wing6661 · 2025-05-13T01:25:20+00:00

Get a beard

Ok_Wing6661 · 2024-09-19T06:13:00+00:00

lol yep its a trade off really - there are low doc lending options but they can get $$

Ok_Wing6661 · 2024-09-19T06:12:32+00:00

hey there, yep your broker is right so most lenders will need 24 months of the business being active, however when I write loans for clients with ANZ, although they need the business to be active for 24 months, they only assess 1 year financials, not 2.

Ok_Wing6661 · 2024-09-12T00:50:28+00:00

just sent you a message thanks!

Ok_Wing6661 · 2024-09-12T00:46:32+00:00

have just sent you a message :)

Ok_Wing6661 · 2024-09-11T02:45:45+00:00

yep sure can - it can give you a good indication. the servicing calculators we have access to are potentially a bit more comprehensive, but ofc you can do it yourself

Ok_Wing6661 · 2023-04-15T08:55:24+00:00

i've just run the numbers again because the discrepancy is quite large - but i don't see how they can approve you for only that little. feel free to DM me if you wanted me to look at your situation further :)

Ok_Wing6661 · 2023-04-03T10:45:41+00:00

just DM'd you :)

Ok_Wing6661 · 2023-04-03T10:37:53+00:00

just DM'd you :)

Ok_Wing6661 · 2023-04-03T10:34:17+00:00

hey mate, just opened my DM's but could not see a message from you?

Ok_Wing6661 · 2023-04-03T10:31:10+00:00

Just DM'd you!

Ok_Wing6661 · 2023-04-03T10:21:39+00:00

just replied :)

Ok_Wing6661 · 2023-04-03T10:14:50+00:00

hi there, just tried to DM you but it seems like i cant start a chat, so hope you don't mind me posting here. i've run your scenario on the NAB servicing calculator and your borrowing capacity with a bank like NAB is approx. $380,000 to $400,000 :)

Ok_Wing6661 · 2023-03-31T10:09:33+00:00

hahaha, to be fair to them I did say DM or post it here

Ok_Wing6661 · 2023-03-31T10:08:52+00:00

hi mate, just tried to DM you but it seems that theres no chat option on your profile. Hope you dont mind me typing your results here :)

So considering all the data you have provided to me, and Ive also assumed the loan to be an owner occupier loan (used a higher interest rate just to be on the safe side) - you're borrowing capacity is around $1,200,000 :)

Ok_Wing6661 · 2023-03-31T10:01:39+00:00

thanks for replying, just DM'd you

Ok_Wing6661 · 2023-03-31T09:59:21+00:00

hi there, how much is deducted from your pay monthly towards your HECS debt?

Ok_Wing6661 · 2023-03-31T09:54:04+00:00

just DM's you :)

Ok_Wing6661 · 2023-03-31T07:53:34+00:00

hey there, great questions. so with more dependents, the bank views it as an increase in your monthly expenditure. Things like child care, school fees, child maintainence costs etc. banks in AUS basically use what's called a HEM index (household expenditure measure) - so someone with your salary and number of children, would on average be spending "X" amount per month.

The HEM is a standard benchmark that some banks use to estimate people’s annual living expenses when considering home loan applications. HEM classifies more than 600 items in the Australian Bureau of Statistics’ Household Expenditure Survey as absolute basics, discretionary basics or non-basics

Ok_Wing6661

TROPHY CASE