Bank meeting - What to expect? And does my HECS debt make a big impact?

[toomanyshoes]

Firstly and good luck!

Secondly don't be afraid to shop around for a better deal AND if for some reason you get knocked back by the first back do try others, particularly mortgage brokers!

We got back the first time we went for a home loan, went to a different bank and they were practically falling over themselves trying to lend us money and WAY WAY more than we had asked for!

[mrsmac]

We went through a mortgage broker. We had a personal loan of about 5K and absolutely no savings at all. There are limited lenders for Family pledge loans- but our mortgage broker found one and with the family pledge we were able to borrow more than the cost of the property!