Andrew

So the way you do this is in the chat, put your chat.

In the Q&A, put your questions so we can answer at the end.

Lots of people use the chat for the questions.

We will miss those at the end and we want to answer as many as we possibly can.

So if you see anyone putting a question in the chat, if it's a good one, make sure they put it in the Q&A so that we get to it at the end.

But those, make sure you put select everyone in the chat because if you put it hosts and panellists, only we can see it.

And again, we're going to be talking tonight.

I'll try and answer as many things as I possibly can.

But if you've got everyone in there, the community will help each other out as well.

Okay, so we're going to give you some case studies and examples so that hopefully one of these might resonate a bit with you.

But again, we're going to give you the tools later on so that you can do this yourself.

But let's say we've got some average Aucklanders.

They've got a house worth a million dollars.

They both are working and earn $83,000 each, which is the average household income in Auckland.

They've got a mortgage of $450,000, so they've obviously bought a few years ago, been paying that down.

Two cars, two kids, no debt.

So basically what we've done here is we've taken all the kind of bank criteria and consolidated it and kind of figured out, okay, well, some banks will let you use X percent of border income.

Some will let you use X percent of your bonuses or your commissions.

Your banks are going to apply a cost to every kid and car you've got.

all those kind of things to kind of give you an overarching theme of how much you might be able to borrow.