How do banks assess your financial health when buying property? They take into account all your incomes and indeed, all your expenses. Then, banks consider your ability to repay the loan if interest rates were to rise by 3% and if you change from "interest only" to "principal and interest". It's complicated. That's why you should talk with an expert lending adviser long before you consider getting a loan, so they can show you how to best structure your finances to maximise your borrowing capacit
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