Andrew

Okay.

So let's say they do some renovations and they take it from a 700K to an 800K property because he can do all the work himself, but there's some money that he needs to spend there.

So let's say his mortgage goes up to, or their mortgage goes up to 530 grand, say.

Yeah, that's exactly what it is.

I just jumped too early.

But hang on a minute.

Now what's happened is they've borrowed more money, so it's affected their service.

Isn't that interesting?

Yeah, it is very interesting.

And actually, Sonia, I love your comment here that you've spoken to so many people that just say, come back when you've got more money.

What a horrible thing to say.

How terrible.

Just come back when you've got more money.

And I completely get your point.

So I'm glad that we're helping people.

like you, Sonia, to be able to work this out yourself.

So now Sophie says, well, if I ask for the money, Matt, you go to ask your boss now, was he going to increase it by?

Why is that?

Yeah, now this does take into consideration the tax that they're both paying.

So uncommitted monthly income works on your net income.