Joe Carroll

speaker

211 appearances 1 recordings 1 series first heard Jul 2026 last heard 13 Jul

Joe Carroll’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Jul 2026 with 1.

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Yes.

There are certain lenders that the process is a lot easier, the structure in which they'll set it up for you is a lot easier.

Yeah.

But there might be other variables involved.

What if that lender hasn't provided a valuation that's favorable in that respect or, you know, what if... Or serviceability.

Or serviceability.

Well, no, I think- No, how do you read this?

I'm reading that as evaluation of borrowing capacity.

So I'm reading that that she's saying with the 50 grand cash, do they view it as a tangible deposit of 50 grand if it's in a bank account?

As in how does that affect our ability to borrow?

If it was an ETF fund and you received dividends from that over the course of two years, then yes, you can use it.

But if you just had each savings, then no, Jill's right.

Yeah.

All differently.

Yeah, so all differently.

So like I say, in regards to the dividend income, let's start with that because it's more unusual.

Traditionally, they'll look at two years' worth of tax returns, see what sort of return, and then they'll average out the basis of that.

Of the two years that you've declared through those tax returns.

Yeah, well, they'll take the average.

So let's say you had 60.

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