you will find a broker will only offer deals on banks who pay them a fee for securing a new customer.......the smaller banks dont do that.....hence why i would not use a broker. community owned ones are good

As a single female parent I can tell you that a lot of women get refused for home loans because they are the sole carer of a child

I think things may have gotten stricter as the cost of homes has risen .

I was a single Mum of 3 primary school aged children (back in the workforce again after studying full time) and was approved for a loan (which I didn't end up taking as the house was too isolated ) .They did look at my CC statement to see that I managed that debt well.

so how many people do you know that earn that or more?   do both you and your partner earn more? $2600 plus a week

I don't often ask people how much they earn? Do you?

I don't tell strangers on the net how much I earn either.

You do realize that is only about $67000 a year. Not exactly high income, not bad but not high either.

you will find a broker will only offer deals on banks who pay them a fee for securing a new customer.......the smaller banks dont do that.....hence why i would not use a broker. community owned ones are good

Doesn't worry me they do their job I get my house.  I have a competitive interest rate and my loan is cheaper than renting would be.

I don't often ask people how much they earn? Do you?

things like that often will usually come up when friends talk 😉

Thanks for the tips people.. I really do appreciate it.. and will take it all into account as the next few years progress. 

Not posting much as I keep timing out and have to reload and log back in.. can't be bothered trying to troubleshoot more than I have.. I need to go list more stuff to sell on Ebay anyway.. 

chat later. 

As a single female parent I can tell you that a lot of women get refused for home loans because they are the sole carer of a child..    Not all of us but a lot of us are in that situation.    It is not a negative credit report that was my problem... that was all fine..    It was lack of proof that I can repay a loan...    I can only relay what a bank manager told me... it was my personal experience.. I am not telling fibs.. it was what I was told.

single parent with a house loan. I went through the homestart, called keystart in other starts and other names.

they are more expensive but I wanted a house, and it was the only way I was going to get one.


I work part time and recieve a top up from centrelink

yep its tough out there and going to get tougher.

trying to find a second job or a fulltime (LAUGH, no such thing now adays)  job

cant get a look in for an interview anywhere


so many businesses, big and small going to the wall,and I suspect its only going to get worse

John I accent the term average to refer to the average wage earner, how many people do you personally know that earn $1300 a week or more.   I only know one and he drives interstate trucks and works 7 days a week and sleeps in his truck when not driving.

I know of one, my sister, and her income is 5 times as much as mine.

and going up every year

I know of one, my sister, and her income is 5 times as much as mine.   and going up every year

and far from the average wage earner Frootie