i went to see "what i could borrow"
found out with a personal loan it KILLS ur lending power...
so u might wanna consider paying that off, saying that thou u will not have and money to put towards the deposit...
i had about 15k in my bank then had the 21k grant and still could only manage to borrow $190,000 and thats earning 40-60k a year....
but that was with anz... basically got approved on the spot...
but yeh hope that helped? haha