ID," What is your full name?"," What state do you reside in?"," What is your email address?"," Are you Single or Married/Defacto"," How many dependents do you have?"," Do you have your own home Are you renting or living rent free/boarding?"," How much is your rental expense?"," How much is your rental expense for?"," How much investment income do you earn and how frequently do you earn it?"," How much investment income do you earn and how frequently do you earn it For?"," Do you earn any additional income (net) and how frequently do you earn it?"," Do you earn any additional income (net) and how frequently do you earn it for?"," What is your net salary? That is how much goes into your bank account from your employer and how frequently?"," What is your net salary? That is how much goes into your bank account from your employer and how frequently for?"," What is your partner's net salary? That is how much goes into their bank account from your employer and how frequently?"," What is your partner's net salary? That is how much goes into their bank account from your employer and how frequently For?"," What are your monthly repayments on your personal debts (excluding property related loans)?"," What is your total credit card limit?"," What is your monthly living expense?"," What is your total owner occupier debt? That is what is your loan size on your own home?"," How much of this total debt is on interest only terms?"," What is the average interest rate on your owner occupier debt? (%)"," What is your total investment debt? That is what is your loan size on your investment properties?"," How much of this total debt is on interest only terms?"," What is the average interest rate on your owner occupier debt? (%)"," What is the total value of all your properties owned?"," How many properties do you own?"," How much savings do you have?"," Saving Per Year"," Which of the following best describes you?"," Where did you hear about this calculator?"," How much the bank calculates you save"," Investment borrowing power"," Saving Rate"," Housing Expense % of Income"," Expenditure Rate"," Total Buffer"," Minimum Interest Rate Buffer"," P & I repayment change"," Are you rent reliant"," Your LVR Position"," Your buffer will last"," Your buffer will last comment"," Your RisK Position"
1540,A,VIC,A@gmail.com,married/defacto,0,home,0,,37000,annual,0,week,7000,month,5500,month,0,0,3000,900000,0,2.50,700000,0,2.70,2000000,3,350000,67560,"I am a New Investor (1-3 properties)",Twitter,7325,42373,762730,131852,38,13,50,"Based on your financial information, we estimate that your risk position requires a buffer size of $34,250 - $92,428","Should interest rates rise by 1%, your total repayment will increase by $16,000 per year. If your interest rate rises by 2%, your repayment will increase by $32,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-11-17,"2020-11-17 07:10:49"
1539,Amber,NSW,abj19722@gmail.com,single,0,"Other(Living Rent Free)",0,,100,month,0,month,4200,month,0,,0,0,500,0,0,0.10,0,0,0.10,0,0,70000,45005,"I am looking to review my situation",Other,22204,22204,399686,399686,88,15,-3,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,100 - $8,400","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-11-17,"2020-11-17 06:32:38"
1538,"Felicia & Yang",,fpromooo@gmail.com,married/defacto,0,"Other(Living Rent Free)",0,,0,week,0,week,2500,fortnight,1500,fortnight,0,10000,1000,0,0,4.49,0,0,4.99,0,0,150000,88400,,,50600,50600,910800,910800,85,7,8,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,333 - $17,333","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-11-17,"2020-11-17 03:54:02"
1537,,,fpromooo@gmail.com,married/defacto,0,"Other(Living Rent Free)",0,,0,week,0,week,2500,fortnight,1500,fortnight,0,10000,1000,0,0,4.49,0,0,4.99,0,0,150000,88400,,,50600,50600,910800,910800,85,7,8,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,333 - $17,333","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-11-17,"2020-11-17 03:53:19"
1536,Felicia,VIC,fpromooo@gmail.com,married/defacto,0,"Other(Living Rent Free)",0,,0,week,0,week,2600,fortnight,2200,fortnight,0,10000,1000,0,0,4.49,0,0,4.99,0,0,200000,109200,"I am looking to review my situation","Property Chat",71400,71400,1285200,1285200,88,6,6,"Based on your financial information, we estimate that your risk position requires a buffer size of $5,200 - $20,800","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-11-15,"2020-11-15 01:56:56"
1535,"Daniel Natoli",NSW,daniel.natoli007@gmail.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,91000,annual,0,,11350,0,2000,0,0,4.49,0,0,4.99,0,0,150000,-69200,"I am a First Home Buyer","Property Chat",-77000,-77000,0,0,-76,9,167,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,791 - $15,166","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 11 Months",,"Your risk position is HEALTHY.",,0,0,2020-11-11,"2020-11-11 08:41:21"
1534,"Adam Matheson",NSW,adamwma@gmail.com,married/defacto,1,home,0,,1200,month,0,week,4300,fortnight,2800,fortnight,150,0,1000,700000,0,2.50,395000,395000,2.30,1700000,2,0,142359,"None of the above",Other,57070,95790,1724227,1027268,73,9,18,"Based on your financial information, we estimate that your risk position requires a buffer size of $25,785 - $73,007","Should interest rates rise by 1%, your total repayment will increase by $10,950 per year. If your interest rate rises by 2%, your repayment will increase by $21,900 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $7,244 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-11-06,"2020-11-06 03:29:59"
1533,AMY,NSW,905019023@qq.com,single,0,home,0,,0,week,0,week,1000,week,0,,0,0,750,450000,0,4.49,450000,0,4.99,5700000,0,130000,-5792,"None of the above",Other,-35182,-31862,0,0,-11,39,72,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,137 - $17,954","Should interest rates rise by 1%, your total repayment will increase by $9,000 per year. If your interest rate rises by 2%, your repayment will increase by $18,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","8Years / 9 Months",,"Your risk position is HEALTHY.",,0,0,2020-11-03,"2020-11-03 02:22:26"
1532,dfgdfg,VIC,sdfdsf@gasd.com,married/defacto,1,renting,460,week,0,week,0,week,6500,month,0,week,0,0,1000,0,0,3.90,0,0,4.99,0,0,20000,42080,"I am looking to review my situation",Media,16880,16880,303840,303840,54,31,15,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,250 - $13,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-11-03,"2020-11-03 01:32:58"
1531,"Raymond Slaviero",NSW,raymond.slaviero@gmail.com,married/defacto,1,home,0,,0,week,0,week,10200,month,0,week,200,10000,5000,600000,0,3.50,0,0,4.99,1000000,1,5000,24069,"I am looking to review my situation",Other,7283,15985,287747,131099,20,17,63,"Based on your financial information, we estimate that your risk position requires a buffer size of $13,225 - $39,329","Should interest rates rise by 1%, your total repayment will increase by $6,000 per year. If your interest rate rises by 2%, your repayment will increase by $12,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-10-31,"2020-10-31 08:23:16"
1530,Aaron,QLD,myi80x@yahoo.com.au,married/defacto,0,home,0,,0,week,0,week,68000,annual,68000,annual,0,20000,5000,0,0,4.49,0,0,4.99,450000,1,500000,68800,"I am Looking to upgrade my home in future","Property Chat",68800,68800,1238400,1238400,51,0,49,"Based on your financial information, we estimate that your risk position requires a buffer size of $9,666 - $30,666","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-10-26,"2020-10-26 02:47:19"
1529,"Ajit Sivasankaran",NSW,drajitsivasankaran@hotmail.com,married/defacto,2,home,0,,0,annual,0,annual,330000,annual,100000,annual,1000,9000,4000,5000,0,2.77,0,0,0.10,1350000,2,210000,366514,"I am looking to review my situation",Other,366350,366453,6596154,6594312,85,0,15,"Based on your financial information, we estimate that your risk position requires a buffer size of $25,904 - $87,704","Should interest rates rise by 1%, your total repayment will increase by $50 per year. If your interest rate rises by 2%, your repayment will increase by $100 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-10-26,"2020-10-26 00:49:20"
1528,Aaranan,VIC,aaranan.paransothy@gmail.com,married/defacto,0,home,0,,3000,annual,0,week,3000,week,1500,week,0,5000,5000,950000,450000,3.00,0,0,0.10,1070000,1,160000,134916,"I am a New Investor (1-3 properties)","Property Chat",93749,125216,2253900,1687497,57,12,31,"Based on your financial information, we estimate that your risk position requires a buffer size of $30,529 - $84,935","Should interest rates rise by 1%, your total repayment will increase by $9,500 per year. If your interest rate rises by 2%, your repayment will increase by $19,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $8,253 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-10-23,"2020-10-23 00:28:56"
1527,"Joel Olivieri",NSW,joel.olivieri@hotmail.com,single,0,"Other(Living Rent Free)",0,,470,week,0,week,2549,fortnight,0,,0,0,1200,0,0,4.49,412000,412000,2.94,530000,1,25000,58939,"I am a New Investor (1-3 properties)","Property Chat",20915,41510,747190,376487,69,9,22,"Based on your financial information, we estimate that your risk position requires a buffer size of $12,625 - $35,228","Should interest rates rise by 1%, your total repayment will increase by $4,120 per year. If your interest rate rises by 2%, your repayment will increase by $8,240 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $7,556 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-10-22,"2020-10-22 03:51:53"
1526,"Long Chu",NSW,long.chu@hotmail.com,married/defacto,2,renting,680,week,1085,week,0,week,5950,month,1500,fortnight,0,13000,3000,0,0,4.49,975000,780000,3.59,1780000,2,100000,40402,"I am a New Investor (1-3 properties)",Other,-10588,24744,445409,0,26,23,51,"Based on your financial information, we estimate that your risk position requires a buffer size of $22,084 - $61,979","Should interest rates rise by 1%, your total repayment will increase by $9,750 per year. If your interest rate rises by 2%, your repayment will increase by $19,500 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $14,305 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-10-21,"2020-10-21 21:23:23"
1525,Duca,NSW,dk2max@gmail.com,single,0,"Other(Living Rent Free)",0,,500,annual,0,week,5800,month,0,,0,10000,1200,0,0,0.10,0,0,0.10,0,0,210000,51852,"I am a First Home Buyer","Property Chat",37452,37452,674136,674136,74,11,15,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,900 - $11,600","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-10-18,"2020-10-18 04:48:23"
1524,fgfdgfdg,NSW,dgdsgsdg@fgfg.com,married/defacto,1,home,0,,0,annual,0,week,1790,week,4100,month,0,5000,1000,0,0,4.49,0,0,4.99,0,0,150000,128480,"I am a New Investor (1-3 properties)","Property Chat",98480,98480,1772640,1772640,90,0,10,"Based on your financial information, we estimate that your risk position requires a buffer size of $5,928 - $23,713","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-10-14,"2020-10-14 04:01:36"
1523,"Aaranan Paransothy",VIC,aaranan.paransothy@gmail.com,married/defacto,0,home,0,,2000,annual,0,week,2500,week,3000,fortnight,4000,5000,5000,915000,0,3.00,0,0,0.10,1070000,1,85000,52916,"I am a New Investor (1-3 properties)","Smart Property Investment",24305,41342,744171,437490,25,13,62,"Based on your financial information, we estimate that your risk position requires a buffer size of $24,969 - $71,105","Should interest rates rise by 1%, your total repayment will increase by $9,150 per year. If your interest rate rises by 2%, your repayment will increase by $18,300 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-10-10,"2020-10-10 08:46:22"
1522,D,NSW,DWATKINS81@GOOGLEMAIL.COM,married/defacto,2,home,0,,4000,annual,160000,annual,21500,month,6500,month,200,35000,9500,900000,0,2.40,30000,30000,4.80,2200000,1,900000,325962,"I am looking to review my situation","Smart Property Investment",293238,315073,5671321,5278290,65,4,30,"Based on your financial information, we estimate that your risk position requires a buffer size of $21,955 - $78,408","Should interest rates rise by 1%, your total repayment will increase by $9,300 per year. If your interest rate rises by 2%, your repayment will increase by $18,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $550 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-10-09,"2020-10-09 21:11:34"
1521,"Alexandra Jones",NSW,alexandrakjones@gmail.com,single,0,renting,380,week,13000,annual,00,annual,7000,month,0,,0,5000,2000,0,0,4.49,0,0,4.99,0,0,480000,44992,"I am a First Home Buyer",Other,44992,44992,809856,809856,48,21,31,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,500 - $14,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-10-05,"2020-10-05 23:18:41"
1520,Sam,VIC,sr142437@hotmail.com,married/defacto,0,renting,1782,month,0,week,0,week,96000,annual,85000,annual,0,0,2000,0,0,4.49,0,0,4.99,0,0,100000,135616,"I am a First Home Buyer","Property Chat",111616,111616,2009088,2009088,75,12,13,"Based on your financial information, we estimate that your risk position requires a buffer size of $7,541 - $30,166","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-10-04,"2020-10-04 06:53:37"
1519,"Neeti Dabra",NSW,neetidabra@hotmail.com,married/defacto,2,home,0,,520,week,0,week,1076,fortnight,5000,fortnight,0,7500,3500,483000,0,2.50,697000,0,2.60,1800000,2,316000,82124,"I am a New Investor (1-3 properties)","Property Chat",35913,62027,1116489,646434,46,7,48,"Based on your financial information, we estimate that your risk position requires a buffer size of $23,719 - $64,993","Should interest rates rise by 1%, your total repayment will increase by $11,800 per year. If your interest rate rises by 2%, your repayment will increase by $23,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-09-26,"2020-09-26 10:12:09"
1518,"Ye ghhb",VIC,Ghh@hhh.com,married/defacto,2,home,0,,410,week,0,week,3000,fortnight,0,week,0,9000,2500,0,0,4.49,290000,0,3.55,550000,2,100000,44610,"I am Looking to upgrade my home in future",Other,29394,33478,602617,529092,47,0,53,"Based on your financial information, we estimate that your risk position requires a buffer size of $12,915 - $33,906","Should interest rates rise by 1%, your total repayment will increase by $2,900 per year. If your interest rate rises by 2%, your repayment will increase by $5,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-09-26,"2020-09-26 09:21:52"
1517,"Neeti Dabra",NSW,neetidabra@hotmail.com,married/defacto,2,home,0,,750,week,0,week,1076,fortnight,5000,fortnight,0,7500,3500,836000,0,2.50,344000,0,2.80,0,1800000,65000,82059,"I am a New Investor (1-3 properties)","Property Chat",36063,61909,1114367,649141,43,11,46,"Based on your financial information, we estimate that your risk position requires a buffer size of $NaN - $NaN","Should interest rates rise by 1%, your total repayment will increase by $11,800 per year. If your interest rate rises by 2%, your repayment will increase by $23,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2020-09-26,"2020-09-26 09:14:39"
1516,SK,VIC,chandnanis04@gmail.com,single,0,renting,350,week,0,week,0,week,1000,week,0,,0,2000,300,0,0,2.19,0,0,2.19,0,0,25000,29480,"I am a First Home Buyer",Other,12079,12079,217439,217439,57,35,8,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,166 - $8,666","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-09-21,"2020-09-21 11:18:45"
1515,"abc def",ACT,dhaval2709@gmail.com,married/defacto,2,home,0,,0,month,10000,month,100000,month,20000,month,55000,100000,35000,7500000,7500000,7.50,0,0,4.99,10000000,2,1500000,-118500,"I am a First Home Buyer","Property Chat",-206526,-259125,0,0,-8,36,72,"Based on your financial information, we estimate that your risk position requires a buffer size of $171,529 - $535,949","Should interest rates rise by 1%, your total repayment will increase by $75,000 per year. If your interest rate rises by 2%, your repayment will increase by $150,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $137,553 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","3Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2020-09-21,"2020-09-21 11:18:21"
1514,"Ajith Chandrathilaka",VIC,erajith@yahoo.com,married/defacto,2,home,0,,1300,week,0,week,7800,month,3900,fortnight,0,6000,3500,0,0,3.00,1900000,0,3.00,3200000,4,200000,120420,"I am looking to review my situation","Property Chat",55009,90388,1626988,990165,48,0,52,"Based on your financial information, we estimate that your risk position requires a buffer size of $37,002 - $98,896","Should interest rates rise by 1%, your total repayment will increase by $19,000 per year. If your interest rate rises by 2%, your repayment will increase by $38,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-09-20,"2020-09-20 02:35:36"
1513,"tom snow",SA,wun_durra@hotmail.com,married/defacto,1,home,0,,0,week,0,week,50000,annual,140,week,0,0,1500,200351,200351,4.49,0,0,4.99,285999,1,46000,30284,"I am looking to review my situation","Property Chat",2702,8835,159035,48639,53,16,31,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,996 - $24,315","Should interest rates rise by 1%, your total repayment will increase by $2,003 per year. If your interest rate rises by 2%, your repayment will increase by $4,007 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $3,675 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-09-16,"2020-09-16 12:22:00"
1512,"Mudit Gupta",NSW,gupta_mudit@hotmail.com,married/defacto,2,home,0,,400,week,12000,annual,5000,fortnight,1075,fortnight,0,7500,4500,560000,0,2.39,578000,0,2.70,1900000,2,52000,79055,"I am a New Investor (1-3 properties)","Property Chat",40198,65479,1178637,723580,42,7,50,"Based on your financial information, we estimate that your risk position requires a buffer size of $22,387 - $63,032","Should interest rates rise by 1%, your total repayment will increase by $11,380 per year. If your interest rate rises by 2%, your repayment will increase by $22,760 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-09-15,"2020-09-15 17:24:35"
1511,"Simon Belson",NSW,simon6672001@yahoo.com.au,married/defacto,3,renting,02340,fortnight,750,fortnight,0,week,5150,fortnight,2998,fortnight,0,15000,6500,173000,0,2.89,173000,0,2.89,950000,2,145000,63057,"I am looking to review my situation","Property Chat",51992,58741,1057354,935864,28,29,43,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,932 - $56,154","Should interest rates rise by 1%, your total repayment will increase by $3,460 per year. If your interest rate rises by 2%, your repayment will increase by $6,920 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-09-15,"2020-09-15 02:55:47"
1510,"Natalie Bull",QLD,natalie.bull@totallysmiles.com.au,married/defacto,1,home,0,,0,week,0,week,1350,fortnight,1199,week,0,0,6500,222000,0,3.29,222000,0,4.99,500000,1,169000,-2793,"I am a New Investor (1-3 properties)",Other,-13202,-9277,0,0,-3,7,95,"Based on your financial information, we estimate that your risk position requires a buffer size of $14,941 - $39,083","Should interest rates rise by 1%, your total repayment will increase by $4,440 per year. If your interest rate rises by 2%, your repayment will increase by $8,880 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","6Years / 1 Months",,"Your risk position is HEALTHY.",,0,0,2020-09-11,"2020-09-11 04:53:40"
1509,"Foysal Razzak",VIC,foysal623@hotmail.com,married/defacto,2,renting,2260,month,410,week,350,fortnight,5200,month,300,week,0,0,1000,0,0,3.00,0,0,4.99,450000,1,250000,58725,"I am a New Investor (1-3 properties)",Other,33525,33525,603455,603455,56,26,18,"Based on your financial information, we estimate that your risk position requires a buffer size of $7,250 - $21,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-08-29,"2020-08-29 04:43:26"
1508,john,NSW,basakoi92@gmail.com,married/defacto,0,renting,2200,month,0,week,0,week,150000,annual,100000,annual,0,50000,5700,0,0,4.49,0,0,4.99,0,0,250000,137200,"I am looking to review my situation","Property Chat",137200,137200,2469600,2469600,55,11,35,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,416 - $41,666","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-08-25,"2020-08-25 12:09:54"
1507,Nash,VIC,nash2103@gmail.com,married/defacto,1,home,0,,0,week,0,week,123981,annual,138812,annual,3000,65000,2000,420000,0,2.80,857800,350000,3.60,1895000,5,100000,132662,"I am an Advanced Investor (3+ properties)","Property Chat",63366,93408,1681356,1140600,50,4,45,"Based on your financial information, we estimate that your risk position requires a buffer size of $42,822 - $113,582","Should interest rates rise by 1%, your total repayment will increase by $12,778 per year. If your interest rate rises by 2%, your repayment will increase by $25,556 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $6,419 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-08-23,"2020-08-23 02:30:41"
1506,Annie,NSW,khatchme@hotmail.com,single,0,"Other(Living Rent Free)",0,,1710,week,7000,month,4200,month,0,,1000,42000,2000,0,0,4.49,1510000,0,3.12,2350000,4,32000,75665,"I am an Advanced Investor (3+ properties)",Other,21826,48471,872491,392883,37,4,59,"Based on your financial information, we estimate that your risk position requires a buffer size of $31,697 - $73,474","Should interest rates rise by 1%, your total repayment will increase by $15,100 per year. If your interest rate rises by 2%, your repayment will increase by $30,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-08-17,"2020-08-17 00:48:35"
1505,"Richard P",SA,richard.a.partington@hotmail.com,married/defacto,0,"Other(Living Rent Free)",0,,0,week,0,week,2500,fortnight,0,week,0,0,2000,0,0,4.49,0,0,4.99,0,0,40000,41000,"I am a New Investor (1-3 properties)","Property Chat",20000,20000,360000,360000,63,12,25,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,708 - $10,833","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-08-11,"2020-08-11 08:40:41"
1504,"Susan Walsh",NSW,walsh.susan@bigpond.com,married/defacto,1,home,0,,1200,month,0,week,654,week,1500,week,673,6000,3000,150005,0,4.49,24002,0,4.99,930000,2,2500,62775,"None of the above",Media,53184,54111,974003,957326,51,5,44,"Based on your financial information, we estimate that your risk position requires a buffer size of $12,741 - $36,555","Should interest rates rise by 1%, your total repayment will increase by $1,740 per year. If your interest rate rises by 2%, your repayment will increase by $3,480 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-08-10,"2020-08-10 08:24:49"
1503,"Hussain Al-Ramadani",NSW,hussainalramadani@gmail.com,married/defacto,0,renting,1200,week,0,week,0,week,106000,annual,70000,annual,1000,25000,5000,0,0,4.49,0,0,4.99,0,0,120000,32600,"I am a First Home Buyer",Other,32600,32600,586800,586800,19,35,46,"Based on your financial information, we estimate that your risk position requires a buffer size of $7,333 - $29,333","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-08-08,"2020-08-08 10:46:49"
1502,TT,SA,letovi.tvb@gmail.com,married/defacto,2,home,0,,1500,month,0,month,6200,month,0,month,3000,0,2000,250000,250000,3.17,250000,500,4.99,1000000,2,20000,3630,"I am looking to review my situation",Other,-27717,-15570,0,0,4,9,87,"Based on your financial information, we estimate that your risk position requires a buffer size of $14,905 - $40,060","Should interest rates rise by 1%, your total repayment will increase by $5,000 per year. If your interest rate rises by 2%, your repayment will increase by $10,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $4,594 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 10 Months",,"Your risk position could be improved",,0,0,2020-08-08,"2020-08-08 05:16:42"
1501,"Muhammad Ali",TAS,engr.mohamedali@gmail.com,married/defacto,2,renting,450,week,0,annual,0,annual,7400,month,0,annual,0,0,3000,0,0,4.49,0,0,4.99,0,0,80000,29400,"I am looking to review my situation","Property Chat",28200,28200,507600,507600,33,26,41,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,700 - $14,800","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-08-04,"2020-08-04 02:38:52"
1500,nick,NSW,sblvrg@gmail.com,married/defacto,0,home,0,,1000,week,0,week,90000,annual,0,week,0,5000,3500,0,0,4.49,0,0,4.99,2000000,2,100000,72408,"I am Looking to upgrade my home in future",Other,72408,72408,1303344,1303344,55,0,45,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,750 - $31,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-07-30,"2020-07-30 23:55:10"
1499,Luis,VIC,acero1490@hotmail.com,married/defacto,1,renting,1738,month,0,week,0,week,1236,week,3434,month,0,2000,5200,0,0,4.49,0,0,4.99,0,0,30000,21504,"I am looking to review my situation","Property Chat",21504,21504,387072,387072,20,20,60,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,395 - $17,580","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-07-18,"2020-07-18 02:51:21"
1498,"Olwyne Ho",NSW,olwyneho@hotmail.com,single,0,"Other(Living Rent Free)",0,,0,week,2000,annual,66200,annual,0,,0,0,500,0,0,5.00,0,0,4.99,0,0,90000,62200,"I am a New Investor (1-3 properties)","Property Chat",39400,39400,709200,709200,91,11,-3,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,758 - $11,033","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-07-16,"2020-07-16 10:48:32"
1497,"Kim Pham",QLD,kim.pham@msn.com,married/defacto,0,home,0,,5744,month,22000,annual,4463,fortnight,6355,month,7996,20000,2000,382000,0,2.64,1370423,0,4.00,2250000,4,43000,47744,"I am looking to review my situation","Property Chat",-22752,-495,0,0,18,4,79,"Based on your financial information, we estimate that your risk position requires a buffer size of $40,958 - $108,967","Should interest rates rise by 1%, your total repayment will increase by $17,524 per year. If your interest rate rises by 2%, your repayment will increase by $35,048 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 11 Months",,"Your risk position is HEALTHY.",,0,0,2020-07-15,"2020-07-15 02:53:38"
1496,"Simon Scarf",NSW,simonscarf@gmail.com,married/defacto,0,home,0,,25000,annual,0,week,180000,annual,1500,fortnight,0,15000,4000,750000,550000,2.70,532000,432000,3.10,1870000,2,400000,143957,"I am Looking to upgrade my home in future",Other,77323,133182,2397278,1391830,60,8,31,"Based on your financial information, we estimate that your risk position requires a buffer size of $32,155 - $91,317","Should interest rates rise by 1%, your total repayment will increase by $12,820 per year. If your interest rate rises by 2%, your repayment will increase by $25,640 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $18,010 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-07-13,"2020-07-13 05:51:38"
1495,"Dale L",VIC,dale-lyons@hotmail.com,married/defacto,2,home,0,,875,week,0,week,6000,fortnight,0,week,0,0,1500,400000,0,3.99,670,0,3.99,2050000,4,20000,138017,"None of the above","Property Chat",104143,108284,1949128,1874589,72,8,20,"Based on your financial information, we estimate that your risk position requires a buffer size of $22,722 - $62,404","Should interest rates rise by 1%, your total repayment will increase by $4,006 per year. If your interest rate rises by 2%, your repayment will increase by $8,013 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-06-10,"2020-06-10 00:29:00"
1494,Ali,NSW,ali.jawad27@gmail.com,married/defacto,1,renting,630,week,2400,fortnight,0,annual,4500,month,0,,0,7000,5000,0,0,4.49,490000,490000,4.99,530000,1,20000,6637,"I am a New Investor (1-3 properties)","Property Chat",-19212,-7275,0,0,6,8,86,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,353 - $41,686","Should interest rates rise by 1%, your total repayment will increase by $4,900 per year. If your interest rate rises by 2%, your repayment will increase by $9,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $8,986 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 11 Months",,"Your risk position could be improved",,0,0,2020-06-09,"2020-06-09 03:24:59"
1493,"Martin Fung",NSW,martin.fung1@gmail.com,married/defacto,0,renting,580,fortnight,580,week,0,week,9173,month,3310,fortnight,1200,7000,1500,0,0,0.10,387000,0,2.44,700000,1,410000,NaN,"None of the above",Other,NaN,NaN,0,0,NaN,NaN,NaN,"Based on your financial information, we estimate that your risk position requires a buffer size of $NaN - $NaN","Should interest rates rise by 1%, your total repayment will increase by $3,870 per year. If your interest rate rises by 2%, your repayment will increase by $7,740 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2020-06-08,"2020-06-08 03:13:22"
1492,Hong,VIC,xunhai@gmail.com,married/defacto,2,"Other(Living Rent Free)",0,,160000,annual,0,annual,115000,annual,93500,annual,0,5000,5000,0,0,3.86,2950000,2855000,3.65,4300000,4,100000,167035,"I am an Advanced Investor (3+ properties)","Property Chat",13247,131879,2373827,238447,50,2,48,"Based on your financial information, we estimate that your risk position requires a buffer size of $62,025 - $164,286","Should interest rates rise by 1%, your total repayment will increase by $29,500 per year. If your interest rate rises by 2%, your repayment will increase by $59,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $52,361 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-06-07,"2020-06-07 10:27:18"
1491,,VIC,hongxunhai@gmail.com,married/defacto,2,"Other(Living Rent Free)",0,,160000,annual,0,annual,115000,annual,93500,annual,0,5000,5000,0,0,3.86,2950000,2855000,3.65,4300000,4,100000,167035,"I am an Advanced Investor (3+ properties)","Property Chat",13247,131879,2373827,238447,50,2,48,"Based on your financial information, we estimate that your risk position requires a buffer size of $62,025 - $164,286","Should interest rates rise by 1%, your total repayment will increase by $29,500 per year. If your interest rate rises by 2%, your repayment will increase by $59,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $52,361 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-06-07,"2020-06-07 10:25:01"
1490,a,NT,a@a.com,married/defacto,2,home,0,,70000,annual,0,week,3000,fortnight,2500,fortnight,0,15000,3000,250000,0,2.89,1200000,1200000,3.50,1900000,3,300000,102389,"None of the above",Other,26310,82771,1489886,473589,51,4,45,"Based on your financial information, we estimate that your risk position requires a buffer size of $37,126 - $99,880","Should interest rates rise by 1%, your total repayment will increase by $14,500 per year. If your interest rate rises by 2%, your repayment will increase by $29,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $22,008 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-06-06,"2020-06-06 22:56:09"
1489,"Test Name",NSW,test@test.com,married/defacto,0,renting,700,week,0,week,0,week,8156,month,8850,month,1000,8000,3000,0,0,4.49,0,0,4.99,0,0,40000,116792,"I am a First Home Buyer","Property Chat",104792,104792,1886256,1886256,57,18,25,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,503 - $34,012","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-06-06,"2020-06-06 17:21:30"
1488,ANCNNNC,VIC,abc@def.com,single,2,home,0,,500,week,0,week,5000,week,0,,0,0,1000,0,0,4.49,0,0,4.99,0,0,0,261104,"I am looking to review my situation","Property Chat",244304,244304,4397472,4397472,93,0,7,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,833 - $43,333","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-06-05,"2020-06-05 08:51:23"
1487,"Gemma Snaith",NSW,Gemma.snaith@gmail.com,single,0,renting,1280,fortnight,0,week,55000,annual,3060,fortnight,0,,0,6000,800,0,0,4.49,350000,0,2.99,350000,1,150000,77663,"I am looking to review my situation","Property Chat",55296,61841,1113148,995329,58,25,18,"Based on your financial information, we estimate that your risk position requires a buffer size of $15,190 - $35,760","Should interest rates rise by 1%, your total repayment will increase by $3,500 per year. If your interest rate rises by 2%, your repayment will increase by $7,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-05-30,"2020-05-30 23:52:32"
1486,"Reza Shahrezaei",NSW,rzshahrezaei@gmail.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,1320,week,0,,0,0,1500,0,0,4.49,0,0,4.99,0,0,45000,50640,"I am looking to review my situation",Other,39840,39840,717120,717120,74,11,15,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,860 - $11,440","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-05-30,"2020-05-30 11:51:31"
1485,"Alex Lee",NSW,alex@ii.net,single,0,renting,1000,month,0,week,0,week,3163,fortnight,0,,1000,6000,800,0,0,4.49,0,0,4.99,0,0,60000,46478,"I am a First Home Buyer",Other,35078,35078,631404,631404,57,15,29,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,426 - $13,706","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-05-28,"2020-05-28 04:53:17"
1484,Tony,NSW,tyoung83@gmail.com,married/defacto,0,home,0,,2400,week,0,annual,4500,fortnight,10000,month,0,30000,10000,200000,0,3.05,2300000,0,3.50,3720000,6,680000,73275,"I am an Advanced Investor (3+ properties)","Property Chat",2741,39744,715403,49343,22,2,76,"Based on your financial information, we estimate that your risk position requires a buffer size of $53,877 - $136,252","Should interest rates rise by 1%, your total repayment will increase by $25,000 per year. If your interest rate rises by 2%, your repayment will increase by $50,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","40Years / 7 Months",,"Your risk position is HEALTHY.",,0,0,2020-05-27,"2020-05-27 10:52:32"
1483,Tony,NSW,tyoung83@gmail.com,married/defacto,0,home,0,,2400,week,0,annual,4500,fortnight,10000,month,0,30000,10000,200000,0,3.05,2300000,0,3.50,3720000,6,680000,73275,"I am an Advanced Investor (3+ properties)","Property Chat",2741,39744,715403,49343,22,2,76,"Based on your financial information, we estimate that your risk position requires a buffer size of $53,877 - $136,252","Should interest rates rise by 1%, your total repayment will increase by $25,000 per year. If your interest rate rises by 2%, your repayment will increase by $50,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","40Years / 7 Months",,"Your risk position is HEALTHY.",,0,0,2020-05-27,"2020-05-27 10:51:33"
1482,"Matt Gillam",NSW,poolpony73@gmail.com,married/defacto,0,home,0,,0,week,0,week,750,week,750,week,0,3000,500,425000,0,4.49,0,0,4.99,800000,1,25000,45109,"I am looking to review my situation",Other,4929,7456,134220,88722,58,24,18,"Based on your financial information, we estimate that your risk position requires a buffer size of $9,716 - $28,220","Should interest rates rise by 1%, your total repayment will increase by $4,250 per year. If your interest rate rises by 2%, your repayment will increase by $8,500 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-05-27,"2020-05-27 01:18:48"
1481,Phil,NSW,philmoody2@gmail.com,single,0,home,0,,0,annual,0,annual,2800,fortnight,0,,0,1500,2500,300000,0,2.70,0,0,4.99,310000,1,80000,27658,"I am a New Investor (1-3 properties)",Other,17701,24008,432145,318629,38,11,51,"Based on your financial information, we estimate that your risk position requires a buffer size of $13,178 - $31,870","Should interest rates rise by 1%, your total repayment will increase by $3,000 per year. If your interest rate rises by 2%, your repayment will increase by $6,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-05-25,"2020-05-25 12:21:52"
1480,"john do",NSW,basakoi92@gmail.com,married/defacto,0,renting,550,week,0,week,0,week,100000,annual,45000,annual,0,50000,6000,0,0,4.49,0,0,4.99,0,0,150000,26400,"I am a First Home Buyer","Property Chat",26400,26400,475200,475200,18,20,62,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,041 - $24,166","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-05-22,"2020-05-22 12:39:36"
1479,"Alex York",NSW,alexanderyork@hotmail.com,married/defacto,2,"Other(Living Rent Free)",0,,3500,month,0,annual,9000,month,0,annual,0,6000,5000,510000,0,3.07,360000,360000,3.70,1200000,2,300000,33648,"I am looking to review my situation","Property Chat",-7772,16009,288175,0,24,17,60,"Based on your financial information, we estimate that your risk position requires a buffer size of $21,831 - $57,904","Should interest rates rise by 1%, your total repayment will increase by $8,700 per year. If your interest rate rises by 2%, your repayment will increase by $17,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $6,602 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","89Years / 9 Months",,"Your risk position is HEALTHY.",,0,0,2020-05-22,"2020-05-22 07:44:20"
1478,"Abhi J",NSW,abyunleashed@gmail.com,married/defacto,2,home,0,,0,annual,120000,annual,100000,annual,50000,annual,0,2000,5000,600000,0,2.29,0,0,0.10,685000,1,35000,181611,"I am looking to review my situation","Property Chat",160163,174693,3144491,2882939,67,5,28,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,096 - $52,539","Should interest rates rise by 1%, your total repayment will increase by $6,000 per year. If your interest rate rises by 2%, your repayment will increase by $12,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-05-21,"2020-05-21 11:33:39"
1477,"jo holmes",VIC,josephinemholmes@yahoo.com.au,single,0,home,0,,0,week,0,week,3700,fortnight,0,,0,4000,2000,425000,100,4.00,0,0,4.99,800000,1,20000,46414,"I am Looking to upgrade my home in future","Property Chat",35968,40326,725884,647433,48,18,34,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,474 - $31,254","Should interest rates rise by 1%, your total repayment will increase by $4,250 per year. If your interest rate rises by 2%, your repayment will increase by $8,500 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $2 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-05-13,"2020-05-13 02:19:43"
1476,"Jo Holmes",VIC,josephinemholmes@yahoo.com.au,single,0,home,0,,0,week,0,week,3700,fortnight,0,,0,4000,2000,425000,0,3.50,0,0,4.00,825000,1,10000,47859,"I am Looking to upgrade my home in future","Property Chat",35969,42133,758401,647442,50,15,35,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,367 - $31,131","Should interest rates rise by 1%, your total repayment will increase by $4,250 per year. If your interest rate rises by 2%, your repayment will increase by $8,500 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-05-13,"2020-05-13 01:32:13"
1475,"Hieu Tran",ACT,hieu1976@gmail.com,married/defacto,2,home,0,,800,week,0,week,3500,week,0,week,0,5000,2000,700,0,3.50,250000,150000,3.80,1700000,3,250000,170000,"I am looking to review my situation","Property Chat",136074,143167,2577013,2449349,79,0,21,"Based on your financial information, we estimate that your risk position requires a buffer size of $20,221 - $58,937","Should interest rates rise by 1%, your total repayment will increase by $2,507 per year. If your interest rate rises by 2%, your repayment will increase by $5,014 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $2,751 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-05-12,"2020-05-12 20:31:21"
1474,"Jo Holmes",VIC,josephinemholmes@yahoo.com.au,single,0,home,0,,0,week,0,week,3700,fortnight,0,,0,4000,2000,425000,0,3.50,0,0,4.99,825000,1,10000,47859,"I am Looking to upgrade my home in future","Property Chat",35969,42133,758401,647442,50,15,35,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,367 - $31,131","Should interest rates rise by 1%, your total repayment will increase by $4,250 per year. If your interest rate rises by 2%, your repayment will increase by $8,500 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-05-12,"2020-05-12 08:46:53"
1473,"Y S",NSW,Auhsky@gmail.com,married/defacto,2,renting,400,week,0,week,0,week,6000,month,6300,month,0,5000,4500,0,0,4.49,0,0,4.99,0,0,0,71000,"I am a New Investor (1-3 properties)","Property Chat",71000,71000,1278000,1278000,48,14,38,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,150 - $24,600","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-05-07,"2020-05-07 10:32:30"
1472,"Y S",NSW,Auhsky@gmail.com,married/defacto,2,renting,400,week,0,week,0,month,6000,month,6300,month,0,5000,5500,0,0,4.49,0,0,4.99,0,0,0,59000,"I am a New Investor (1-3 properties)","Property Chat",59000,59000,1062000,1062000,40,14,46,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,150 - $24,600","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-05-07,"2020-05-07 10:24:02"
1471,"Jess Corless",NSW,Jess_corless@hotmail.com,married/defacto,1,renting,490,week,0,week,0,week,7644,month,0,week,0,0,2600,0,0,4.49,0,0,4.99,0,0,90000,35048,"I am a First Home Buyer",Other,29048,29048,522864,522864,38,28,34,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,822 - $15,288","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-05-06,"2020-05-06 04:07:44"
1470,"Jess Corless",NSW,Jess_corless@hotmail.com,married/defacto,1,renting,490,week,0,week,0,week,7644,month,0,annual,0,0,2600,0,0,4.49,0,0,4.99,0,0,90000,35048,"I am a First Home Buyer",Other,29048,29048,522864,522864,38,28,34,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,822 - $15,288","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-05-06,"2020-05-06 04:01:38"
1469,Steve,NSW,stevemorganator@gmail.com,married/defacto,2,home,0,,2800,month,0,annual,113153,annual,58658,annual,3800,0,1425,960000,0,2.80,490000,490000,3.40,2700000,3,916611,70209,"I am looking to review my situation","Property Chat",-17783,23310,419581,0,35,14,51,"Based on your financial information, we estimate that your risk position requires a buffer size of $29,947 - $84,156","Should interest rates rise by 1%, your total repayment will increase by $14,500 per year. If your interest rate rises by 2%, your repayment will increase by $29,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $8,986 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-05-04,"2020-05-04 02:02:14"
1468,Younus,NSW,Auhsky@gmail.com,married/defacto,2,renting,400,week,0,week,0,week,6000,month,6300,month,0,5000,4500,0,0,4.49,0,0,0.10,0,0,40000,71000,"I am a New Investor (1-3 properties)","Property Chat",71000,71000,1278000,1278000,48,14,38,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,150 - $24,600","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-04-28,"2020-04-28 07:43:24"
1467,"Kiran Singh",QLD,kiransinghcpa@gmail.com,married/defacto,2,renting,450,week,250,month,0,month,2395,fortnight,2000,fortnight,0,0,4200,0,0,4.49,0,0,4.99,20000,0,235000,41982,"I am a First Home Buyer","Property Chat",41982,41982,755676,755676,36,20,44,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,761 - $19,045","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-04-25,"2020-04-25 23:33:40"
1466,igor,NSW,igordonjuan@gmail.com,married/defacto,2,home,0,,3500,month,0,fortnight,4700,fortnight,1000,fortnight,0,2000,4000,390000,0,3.00,800000,0,3.00,1900000,4,200000,73763,"I am a New Investor (1-3 properties)","Property Chat",36553,58711,1056810,657958,41,6,53,"Based on your financial information, we estimate that your risk position requires a buffer size of $30,846 - $78,935","Should interest rates rise by 1%, your total repayment will increase by $11,900 per year. If your interest rate rises by 2%, your repayment will increase by $23,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-04-25,"2020-04-25 11:44:48"
1465,"Lloyd DMello",VIC,lloydmello@gmail.com,married/defacto,2,home,0,,1625,month,0,week,3000,fortnight,2300,fortnight,0,9000,2500,184000,184000,3.58,407000,407000,3.58,1300000,2,460000,100007,"I am a New Investor (1-3 properties)","Property Chat",57903,82717,1488911,1042255,65,4,31,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,171 - $56,326","Should interest rates rise by 1%, your total repayment will increase by $5,910 per year. If your interest rate rises by 2%, your repayment will increase by $11,820 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $10,839 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-04-22,"2020-04-22 05:49:26"
1464,"Lloyd D\'Mello",VIC,lloydmello@gmail.com,married/defacto,2,home,0,,1625,month,0,week,3000,fortnight,2300,fortnight,0,9000,2500,184000,184000,3.58,407000,407000,3.58,1300000,2,460000,100007,"I am a New Investor (1-3 properties)","Property Chat",57903,82717,1488911,1042255,65,4,31,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,171 - $56,326","Should interest rates rise by 1%, your total repayment will increase by $5,910 per year. If your interest rate rises by 2%, your repayment will increase by $11,820 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $10,839 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-04-22,"2020-04-22 05:20:32"
1463,Lakshmi,NSW,cooljammal@gmail.com,married/defacto,3,renting,540,week,18500,annual,0,week,103606,annual,0,week,0,6000,3000,0,0,4.49,300000,300000,3.85,375000,1,125000,40135,"I am a New Investor (1-3 properties)","Property Chat",19663,31247,562455,353951,34,24,42,"Based on your financial information, we estimate that your risk position requires a buffer size of $12,691 - $37,535","Should interest rates rise by 1%, your total repayment will increase by $3,000 per year. If your interest rate rises by 2%, your repayment will increase by $6,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $5,502 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-04-20,"2020-04-20 11:47:31"
1462,"Sherwin Audh",NSW,sherwin.audh@gmail.com,single,0,"Other(Living Rent Free)",0,,360,week,0,week,116203,annual,0,,0,10000,3000,0,0,3.58,428000,322000,3.69,600000,2,100000,75435,"I am looking to review my situation",Other,48757,63202,1137641,877635,58,6,37,"Based on your financial information, we estimate that your risk position requires a buffer size of $18,018 - $48,763","Should interest rates rise by 1%, your total repayment will increase by $4,280 per year. If your interest rate rises by 2%, your repayment will increase by $8,560 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $5,905 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-04-20,"2020-04-20 10:06:57"
1461,"Mike Hunt",NSW,rasibe9247@lagsixtome.com,married/defacto,1,renting,3200,month,0,week,0,week,90000,annual,56000,annual,0,20000,5000,0,0,4.49,0,0,4.99,0,0,100000,40400,"I am a First Home Buyer",Other,40400,40400,727200,727200,28,26,46,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,083 - $24,333","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-04-18,"2020-04-18 11:15:13"
1460,A,NSW,Info@stonegallery.com.au,married/defacto,2,home,0,,700,week,0,week,1100,week,700,week,600,0,2500,525000,0,3.30,0,0,0.10,780000,0,20000,47154,"I am a New Investor (1-3 properties)",Facebook,24568,33056,595019,442232,38,14,47,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,109 - $25,848","Should interest rates rise by 1%, your total repayment will increase by $5,250 per year. If your interest rate rises by 2%, your repayment will increase by $10,500 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-04-14,"2020-04-14 13:09:12"
1459,"John Limburg",NSW,johnny_limburg@hotmail.com,married/defacto,0,renting,200,week,0,week,0,week,2000,fortnight,2200,fortnight,0,7000,2200,0,0,4.49,0,0,4.99,0,0,90000,69880,"I am a First Home Buyer","Property Chat",54280,54280,977040,977040,64,10,26,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,550 - $18,200","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-04-10,"2020-04-10 12:23:57"
1458,"Wilson Heng",VIC,Wilson.heng28@gmail.com,married/defacto,0,"Other(Living Rent Free)",0,,1000,annual,0,week,65000,annual,1450,fortnight,0,0,2000,0,0,4.49,0,0,2.20,550000,1,20000,79204,"None of the above","Property Chat",53404,53404,961272,961272,77,8,16,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,279 - $25,116","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-04-04,"2020-04-04 19:05:20"
1457,"Finn Irving-Dent",NSW,finnirvingdent@gmail.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,700,week,0,,0,0,1500,0,0,4.49,0,0,4.99,0,0,90000,18400,"None of the above","Property Chat",7600,7600,136800,136800,51,21,28,"Based on your financial information, we estimate that your risk position requires a buffer size of $1,516 - $6,066","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-04-02,"2020-04-02 23:05:16"
1456,"Mahesh kumar",NSW,hesh.yadav@gmail.com,married/defacto,2,renting,625,week,1460,week,0,week,120000,annual,65000,annual,0,10000,5000,0,0,4.49,1020000,520000,3.50,1409000,4,0,99004,"I am looking to review my situation","Smart Property Investment",58112,87718,1578929,1046033,40,13,46,"Based on your financial information, we estimate that your risk position requires a buffer size of $35,080 - $92,127","Should interest rates rise by 1%, your total repayment will increase by $10,200 per year. If your interest rate rises by 2%, your repayment will increase by $20,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $9,537 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-04-01,"2020-04-01 20:10:50"
1455,"Jimmy Cheung",ACT,jimmy1_cheung@hotmail.com,married/defacto,1,home,0,,1650,week,0,week,2000,week,1000,week,0,5000,2800,120000,0,3.00,1200000,0,3.30,2700000,4,10000,114687,"I am an Advanced Investor (3+ properties)","Property Chat",67366,89002,1602042,1212596,51,2,47,"Based on your financial information, we estimate that your risk position requires a buffer size of $29,284 - $79,424","Should interest rates rise by 1%, your total repayment will increase by $13,200 per year. If your interest rate rises by 2%, your repayment will increase by $26,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-03-24,"2020-03-24 10:27:49"
1454,"Sherwin Audh",NSW,sherwin.audh@gmail.com,married/defacto,0,"Other(Living Rent Free)",0,,365,week,0,week,9681,month,3000,fortnight,0,10000,1000,0,0,4.49,752196,640000,3.94,1005000,3,170000,169065,"None of the above",Other,92165,117365,2112578,1658986,81,4,16,"Based on your financial information, we estimate that your risk position requires a buffer size of $29,940 - $82,811","Should interest rates rise by 1%, your total repayment will increase by $7,521 per year. If your interest rate rises by 2%, your repayment will increase by $15,043 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $11,737 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-03-24,"2020-03-24 10:12:20"
1453,"robin mehra",VIC,mehra.robin@gmail.com,married/defacto,1,renting,2129,month,420,week,5000,annual,3610,fortnight,400,week,0,15000,2000,455000,0,3.02,455000,0,3.02,570000,1,500000,37138,"I am Looking to upgrade my home in future","Property Chat",-9198,7598,136778,0,27,29,44,"Based on your financial information, we estimate that your risk position requires a buffer size of $63,177 - $103,581","Should interest rates rise by 1%, your total repayment will increase by $9,100 per year. If your interest rate rises by 2%, your repayment will increase by $18,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","11Years / 6 Months",,"Your risk position is HEALTHY.",,0,0,2020-03-22,"2020-03-22 23:45:10"
1452,robin,VIC,mehra.robin@gmail.com,married/defacto,1,renting,2126,month,420,week,5000,annual,3610,fortnight,400,week,0,15000,4000,0,0,0.10,450000,0,3.00,570000,1,200000,36481,"I am looking to review my situation","Property Chat",22410,30789,554212,403386,27,19,55,"Based on your financial information, we estimate that your risk position requires a buffer size of $13,203 - $38,985","Should interest rates rise by 1%, your total repayment will increase by $4,500 per year. If your interest rate rises by 2%, your repayment will increase by $9,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-03-20,"2020-03-20 10:07:03"
1451,NS,NSW,Mail2amn@yahoo.com,married/defacto,0,home,0,,3600,month,0,week,107000,annual,56000,annual,0,2500,2000,750000,0,2.94,750000,580000,4.09,2500000,3,50000,101139,"I am looking to review my situation",Other,22740,59333,1068009,409332,51,11,38,"Based on your financial information, we estimate that your risk position requires a buffer size of $31,763 - $86,466","Should interest rates rise by 1%, your total repayment will increase by $15,000 per year. If your interest rate rises by 2%, your repayment will increase by $30,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $10,637 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-03-19,"2020-03-19 10:35:59"
1450,trd,QLD,f@f.com,married/defacto,2,home,0,,2000,week,5000,annual,130000,annual,130000,annual,0,7500,5500,0,0,4.49,1750000,1300000,3.75,2100000,5,100000,204095,"I am looking to review my situation","Property Chat",128258,185655,3341802,2308645,59,0,41,"Based on your financial information, we estimate that your risk position requires a buffer size of $57,938 - $152,880","Should interest rates rise by 1%, your total repayment will increase by $17,500 per year. If your interest rate rises by 2%, your repayment will increase by $35,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $23,842 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-03-17,"2020-03-17 05:47:42"
1449,"Robert Andrew Pringle",NSW,bobinoz74@hotmail.com,married/defacto,2,home,0,,2710,fortnight,0,fortnight,4500,fortnight,11000,fortnight,0,10000,9000,800000,0,3.85,1973000,1973000,4.10,4450000,3,40000,233864,"I am a New Investor (1-3 properties)","Property Chat",123141,202389,3643002,2216549,51,7,42,"Based on your financial information, we estimate that your risk position requires a buffer size of $57,905 - $169,960","Should interest rates rise by 1%, your total repayment will increase by $27,730 per year. If your interest rate rises by 2%, your repayment will increase by $55,460 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $36,185 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-03-12,"2020-03-12 00:56:16"
1448,"Roderick McDonald",VIC,Rod675@gmail.com,single,0,renting,150,week,0,week,0,week,60000,annual,0,,80,0,1200,0,0,4.49,0,0,4.99,0,0,70000,36840,"I am looking to review my situation","Property Chat",30240,30240,544320,544320,61,13,26,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,500 - $10,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-03-09,"2020-03-09 11:46:28"
1447,"Katherine Galway",VIC,kathg@bigpond.com,single,1,home,0,,0,week,263,fortnight,2101,fortnight,0,,150,5000,2000,234000,0,3.64,0,0,4.99,730000,1,500,21034,"I am looking to review my situation","Property Chat",14708,17826,320885,264752,34,14,52,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,864 - $20,199","Should interest rates rise by 1%, your total repayment will increase by $2,340 per year. If your interest rate rises by 2%, your repayment will increase by $4,680 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-03-08,"2020-03-08 02:08:37"
1446,Joanne,NSW,joannechau1993@gmail.com,married/defacto,0,home,0,,0,annual,0,week,2722,fortnight,1897,fortnight,0,0,2000,492000,492000,4.16,0,0,4.99,620000,1,100000,75627,"I am Looking to upgrade my home in future","Property Chat",35419,52510,945180,637550,63,17,20,"Based on your financial information, we estimate that your risk position requires a buffer size of $16,129 - $47,909","Should interest rates rise by 1%, your total repayment will increase by $4,920 per year. If your interest rate rises by 2%, your repayment will increase by $9,840 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $9,023 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-03-06,"2020-03-06 01:05:24"
1445,Th,NSW,Tei11@hotmail.com,single,0,"Other(Living Rent Free)",0,,420,week,50,week,4125,week,0,,0,0,1000,0,0,4.49,570000,570000,3.88,660000,1,200000,203482,"I am a New Investor (1-3 properties)","Property Chat",151557,173352,3120351,2728041,87,3,10,"Based on your financial information, we estimate that your risk position requires a buffer size of $23,517 - $69,652","Should interest rates rise by 1%, your total repayment will increase by $5,700 per year. If your interest rate rises by 2%, your repayment will increase by $11,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $10,454 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-03-05,"2020-03-05 02:56:16"
1444,"Howard Hsiao",NSW,howard@hsiao.cc,single,0,home,0,,670,week,0,week,7381,month,0,,933,1000,600,980000,0,3.65,320000,320000,3.50,1900000,2,350000,27706,"I am looking to review my situation","Property Chat",-29076,-2343,0,0,24,31,45,"Based on your financial information, we estimate that your risk position requires a buffer size of $23,806 - $60,797","Should interest rates rise by 1%, your total repayment will increase by $13,000 per year. If your interest rate rises by 2%, your repayment will increase by $26,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $5,868 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","27Years / 7 Months",,"Your risk position is HEALTHY.",,0,0,2020-03-04,"2020-03-04 14:50:10"
1443,"Phil Moody",NSW,philmoody2@gmail.com,married/defacto,0,home,0,,0,week,0,week,100000,annual,0,annual,0,1500,2800,300000,0,3.40,0,0,4.99,0,1,80000,49895,"I am a New Investor (1-3 properties)","Property Chat",32901,37503,675060,592229,50,10,40,"Based on your financial information, we estimate that your risk position requires a buffer size of $NaN - $NaN","Should interest rates rise by 1%, your total repayment will increase by $3,000 per year. If your interest rate rises by 2%, your repayment will increase by $6,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2020-03-02,"2020-03-02 17:42:51"
1442,"Patnaikuni Ravikanth Markonda",QLD,pmarkonda@yahoo.com.au,married/defacto,0,home,0,,0,week,0,week,1215,week,0,week,0,0,1200,270000,0,3.23,0,0,3.00,380000,1,5000,34715,"I am a New Investor (1-3 properties)","Property Chat",3877,8398,151174,69794,55,14,31,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,955 - $24,133","Should interest rates rise by 1%, your total repayment will increase by $2,700 per year. If your interest rate rises by 2%, your repayment will increase by $5,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-02-28,"2020-02-28 11:36:10"
1441,N,NSW,ndumais2000@gmail.com,married/defacto,1,renting,1050,fortnight,1600,month,0,week,4000,fortnight,4600,month,2500,3500,4500,0,0,4.49,480000,0,4.99,600000,1,50000,33423,"I am a New Investor (1-3 properties)",Other,25015,25701,462629,450278,19,16,65,"Based on your financial information, we estimate that your risk position requires a buffer size of $15,433 - $47,561","Should interest rates rise by 1%, your total repayment will increase by $4,800 per year. If your interest rate rises by 2%, your repayment will increase by $9,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-02-25,"2020-02-25 03:24:48"
1440,"Damien Chan",NSW,damali.chan@gmail.com,married/defacto,2,home,0,,50000,annual,0,week,8000,month,4500,month,4500,8000,10000,680000,0,3.09,1150000,1150000,3.59,5380000,4,90000,-58618,"I am an Advanced Investor (3+ properties)","Smart Property Investment",-137945,-77639,0,0,-31,11,120,"Based on your financial information, we estimate that your risk position requires a buffer size of $32,674 - $97,659","Should interest rates rise by 1%, your total repayment will increase by $18,300 per year. If your interest rate rises by 2%, your repayment will increase by $36,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $21,091 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 8 Months",,"Your risk position could be improved",,0,0,2020-02-24,"2020-02-24 11:21:56"
1439,"Michael McCubbin",NSW,Michaelmccubbin76@gmail.com,married/defacto,2,home,0,,45000,annual,25000,annual,11900,month,22000,annual,0,20000,9000,336000,0,3.30,1420000,1420000,4.60,2750000,3,90000,37945,"I am looking to review my situation",Other,-29748,17200,309601,0,17,5,78,"Based on your financial information, we estimate that your risk position requires a buffer size of $38,507 - $104,191","Should interest rates rise by 1%, your total repayment will increase by $17,560 per year. If your interest rate rises by 2%, your repayment will increase by $35,120 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $26,043 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","3Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2020-02-24,"2020-02-24 09:42:40"
1438,"Wayne Greenhalgh",QLD,wrg2256@gmail.com,married/defacto,0,home,0,,0,annual,0,annual,126000,annual,80000,annual,2000,7000,4000,500000,0,3.29,0,0,0.10,675000,1,680000,105236,"I am a New Investor (1-3 properties)","Smart Property Investment",90549,98674,1776143,1629889,51,8,41,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,121 - $53,788","Should interest rates rise by 1%, your total repayment will increase by $5,000 per year. If your interest rate rises by 2%, your repayment will increase by $10,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-02-23,"2020-02-23 22:31:16"
1437,"David Marusic",NSW,davidmarusic86@gmail.com,single,0,home,0,,1706,month,0,week,3359,fortnight,0,,0,5000,5300,313700,0,3.41,449000,449000,4.41,1420000,2,48000,NaN,"I am looking to review my situation","Property Chat",NaN,NaN,0,0,NaN,NaN,NaN,"Based on your financial information, we estimate that your risk position requires a buffer size of $NaN - $NaN","Should interest rates rise by 1%, your total repayment will increase by $7,627 per year. If your interest rate rises by 2%, your repayment will increase by $15,254 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $8,234 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2020-02-22,"2020-02-22 10:11:51"
1436,"David Marusic",NSW,davidmarusic86+redom@gmail.com,single,0,home,0,,1706,month,0,week,3359,fortnight,0,,0,5000,5300,313700,0,3.41,449000,449000,4.41,1420000,2,48000,NaN,"I am looking to review my situation","Property Chat",NaN,NaN,0,0,NaN,NaN,NaN,"Based on your financial information, we estimate that your risk position requires a buffer size of $NaN - $NaN","Should interest rates rise by 1%, your total repayment will increase by $7,627 per year. If your interest rate rises by 2%, your repayment will increase by $15,254 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $8,234 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2020-02-22,"2020-02-22 10:10:04"
1435,"Simon Chowdhury",NSW,simon_chowdhury@hotmail.com,married/defacto,2,renting,1000,week,2320,week,0,week,122303,annual,112500,annual,0,10000,5000,0,0,4.49,1663000,580000,3.99,2650000,4,50000,122583,"None of the above",Other,68731,101304,1823481,1237167,37,16,47,"Based on your financial information, we estimate that your risk position requires a buffer size of $40,591 - $110,220","Should interest rates rise by 1%, your total repayment will increase by $16,630 per year. If your interest rate rises by 2%, your repayment will increase by $33,260 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $10,637 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-02-22,"2020-02-22 07:12:16"
1434,"Simon Chowdhury",NSW,simon_chowdhury@hotmail.com,married/defacto,2,renting,1000,week,1190,week,0,week,122303,annual,112776,annual,0,10000,5000,0,0,4.49,1338000,580000,3.79,2250000,3,50000,108631,"None of the above",Other,60586,92552,1665937,1090549,38,18,44,"Based on your financial information, we estimate that your risk position requires a buffer size of $33,541 - $95,401","Should interest rates rise by 1%, your total repayment will increase by $13,380 per year. If your interest rate rises by 2%, your repayment will increase by $26,760 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $10,637 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-02-22,"2020-02-22 07:02:46"
1433,Craig,NSW,craig@ansata.ws,married/defacto,3,home,0,,50000,month,1,fortnight,300000,annual,0,week,0,220000,5000,2000000,0,3.50,1800000,1500000,3.90,6000000,6,400000,309945,"I am looking to review my situation",Other,174810,264132,4754385,3146582,40,9,51,"Based on your financial information, we estimate that your risk position requires a buffer size of $75,481 - $198,108","Should interest rates rise by 1%, your total repayment will increase by $38,000 per year. If your interest rate rises by 2%, your repayment will increase by $76,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $27,510 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-02-19,"2020-02-19 10:42:49"
1432,"James Kayman",ACT,jameskayman@protonmail.com,married/defacto,0,home,0,,68000,annual,13000,annual,11000,month,9000,month,0,6000,4700,551200,551200,3.99,769250,769250,4.22,2000000,3,1070000,187065,"I am a New Investor (1-3 properties)",Other,126988,173450,3122117,2285790,61,7,32,"Based on your financial information, we estimate that your risk position requires a buffer size of $38,375 - $107,635","Should interest rates rise by 1%, your total repayment will increase by $13,204 per year. If your interest rate rises by 2%, your repayment will increase by $26,409 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $24,217 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-02-18,"2020-02-18 12:24:54"
1431,Romi,WA,pitdenis@yahoo.com,married/defacto,2,renting,390,week,0,week,0,week,2966,week,0,week,0,0,2000,0,0,4.49,0,0,0.50,0,0,30000,109952,"I am a First Home Buyer","Property Chat",91952,91952,1655136,1655136,71,13,16,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,426 - $25,705","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-02-17,"2020-02-17 23:20:36"
1430,j,,hfhf2@gmail.com,married/defacto,2,renting,550,week,2455,week,0,week,4300,fortnight,3000,fortnight,0,6000,3000,0,0,4.49,2335000,2335000,4.20,3000000,5,400000,128188,,,11727,91670,1650076,211102,44,10,46,"Based on your financial information, we estimate that your risk position requires a buffer size of $61,174 - $163,515","Should interest rates rise by 1%, your total repayment will increase by $23,350 per year. If your interest rate rises by 2%, your repayment will increase by $46,700 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $42,824 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-02-17,"2020-02-17 01:43:35"
1429,"Naveen Kapoor",VIC,kapoorfamily101@gmail.com,married/defacto,1,home,0,,1000,annual,0,annual,88000,annual,41000,annual,0,4000,3000,0,0,0.10,1270000,100,3.94,2000000,3,35000,40979,"I am an Advanced Investor (3+ properties)",Other,3245,16921,304592,58416,32,0,68,"Based on your financial information, we estimate that your risk position requires a buffer size of $26,801 - $69,427","Should interest rates rise by 1%, your total repayment will increase by $12,700 per year. If your interest rate rises by 2%, your repayment will increase by $25,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $2 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","7Years / 11 Months",,"Your risk position is HEALTHY.",,0,0,2020-02-11,"2020-02-11 09:21:17"
1428,"Naveen Kapoor",VIC,kapoor,married/defacto,1,home,0,,1000,annual,0,annual,88000,annual,41000,annual,0,4000,3000,0,0,0.10,1270000,100,3.94,2000000,3,35000,40979,,,3245,16921,304592,58416,32,0,68,"Based on your financial information, we estimate that your risk position requires a buffer size of $26,801 - $69,427","Should interest rates rise by 1%, your total repayment will increase by $12,700 per year. If your interest rate rises by 2%, your repayment will increase by $25,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $2 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","7Years / 11 Months",,"Your risk position is HEALTHY.",,0,0,2020-02-11,"2020-02-11 09:20:03"
1427,"Mohammad Islam",NSW,ashifbsmmu@gmail.com,married/defacto,2,home,0,,4000,annual,0,annual,100000,annual,0,,5000,6000,2000,130000,0,3.42,1000000,0,4.50,1600000,5,20000,-35232,"I am a New Investor (1-3 properties)","Smart Property Investment",-77997,-70166,0,0,-34,4,130,"Based on your financial information, we estimate that your risk position requires a buffer size of $33,811 - $79,770","Should interest rates rise by 1%, your total repayment will increase by $11,300 per year. If your interest rate rises by 2%, your repayment will increase by $22,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 2 Months",,"You risk levels are high.",,0,0,2020-02-11,"2020-02-11 06:15:35"
1426,"Dylan Lake",VIC,deej360@gmail.com,married/defacto,0,home,0,,6000,annual,0,week,1295,week,7616,month,0,0,3800,1430000,0,3.38,0,0,4.99,2000000,1,310000,40245,"I am looking to review my situation","Property Chat",-3305,18866,339605,0,25,30,46,"Based on your financial information, we estimate that your risk position requires a buffer size of $23,014 - $64,587","Should interest rates rise by 1%, your total repayment will increase by $14,300 per year. If your interest rate rises by 2%, your repayment will increase by $28,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-02-08,"2020-02-08 09:31:17"
1425,birdy,NSW,itsmyplanet@hotmail.com,married/defacto,1,renting,630,week,1200,annual,0,week,3300,fortnight,3400,fortnight,0,24000,2500,0,0,4.49,0,0,4.99,0,0,250000,103405,"I am looking to review my situation","Smart Property Investment",85404,85404,1537286,1537286,59,19,22,"Based on your financial information, we estimate that your risk position requires a buffer size of $7,258 - $29,033","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-02-04,"2020-02-04 22:31:10"
1424,"Malvina Singh",VIC,singh.malvina@gmail.com,married/defacto,1,home,0,,0,week,0,week,5000,month,1100,week,2893,6000,3000,586225,0,3.40,0,0,4.99,900000,1,124000,13126,"I am a New Investor (1-3 properties)",Other,-9665,-672,0,0,11,17,72,"Based on your financial information, we estimate that your risk position requires a buffer size of $13,384 - $38,748","Should interest rates rise by 1%, your total repayment will increase by $5,862 per year. If your interest rate rises by 2%, your repayment will increase by $11,724 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","11Years / 10 Months",,"Your risk position is HEALTHY.",,0,0,2020-02-02,"2020-02-02 22:53:32"
1423,Richard,NSW,Yangrichard2020@gmail.com,single,1,renting,350,week,0,week,0,week,1300,week,0,,0,0,1700,0,0,4.49,0,0,4.99,0,0,10000,29000,"I am looking to review my situation","Property Chat",28400,28400,511200,511200,43,27,30,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,816 - $11,266","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-02-01,"2020-02-01 12:30:32"
1422,ricard,NSW,yangrichard2020@gmail.com,single,1,renting,350,week,0,week,0,week,75000,annual,0,,0,0,1500,0,0,2.00,0,0,4.99,0,0,25000,38800,"I am a First Home Buyer","Property Chat",35800,35800,644400,644400,52,24,24,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,125 - $12,500","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-02-01,"2020-02-01 01:48:21"
1421,HA,NSW,yangrichard2020@gmail.com,single,1,renting,350,week,0,week,0,week,75000,week,0,,0,0,1500,0,0,2.00,0,0,4.99,0,0,25000,3863800,"I am a First Home Buyer","Property Chat",3853000,3853000,69354000,69354000,99,0,0,"Based on your financial information, we estimate that your risk position requires a buffer size of $162,500 - $650,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-02-01,"2020-02-01 01:46:10"
1420,"Ha Pham",NSW,ha@clubrivers.com.au,married/defacto,2,home,0,,6000,week,0,week,2690,week,0,week,24000,15000,3350,227500,0,3.90,5600000,0,3.80,10500000,12,20000,-269232,"I am looking to review my situation","Property Chat",-422077,-352531,0,0,-69,2,167,"Based on your financial information, we estimate that your risk position requires a buffer size of $98,936 - $239,057","Should interest rates rise by 1%, your total repayment will increase by $58,275 per year. If your interest rate rises by 2%, your repayment will increase by $116,550 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 0 Months",,"You risk levels are high.",,0,0,2020-02-01,"2020-02-01 01:37:45"
1419,"Brad Thompson",ACT,bradthompson.06@gmail.com,married/defacto,0,renting,1040,fortnight,0,week,0,week,8929,month,2200,fortnight,1400,5000,2000,0,0,4.49,0,0,4.99,0,0,55000,94708,"I am a First Home Buyer",Other,70708,70708,1272744,1272744,58,16,26,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,847 - $27,391","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-01-21,"2020-01-21 04:09:27"
1418,"costa cossu",NSW,costa.cossu79@gmail.com,married/defacto,0,home,0,,430,week,0,week,1200,week,1500,week,3220,50000,1000,300000,0,3.85,0,0,0.10,500000,1,200000,66152,"None of the above",Other,28471,31933,574795,512479,42,7,51,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,913 - $36,865","Should interest rates rise by 1%, your total repayment will increase by $3,000 per year. If your interest rate rises by 2%, your repayment will increase by $6,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-01-20,"2020-01-20 09:59:53"
1417,a,ACT,aa@aa.co,single,0,"Other(Living Rent Free)",0,,4200,month,1000,annual,3000,fortnight,0,,0,0,1000,0,0,4.49,815000,815000,4.09,1450000,2,10000,72638,"None of the above",Other,18480,47504,855080,332655,61,7,33,"Based on your financial information, we estimate that your risk position requires a buffer size of $20,107 - $54,503","Should interest rates rise by 1%, your total repayment will increase by $8,150 per year. If your interest rate rises by 2%, your repayment will increase by $16,300 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $14,947 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-01-20,"2020-01-20 01:00:51"
1416,"First Home",NSW,freechloe@yahoo.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,4154,fortnight,0,,0,6000,3000,0,0,4.49,0,0,4.99,0,0,137000,69844,"I am a First Home Buyer",Other,62044,62044,1116792,1116792,65,7,28,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,500 - $18,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-01-18,"2020-01-18 05:39:38"
1415,Edward,NSW,edwarddu917@gmail.com,single,0,"Other(Living Rent Free)",0,,1300,week,1000,month,80000,annual,0,,0,0,5000,0,0,0.10,1000000,0,3.40,1300000,3,50000,29503,"I am looking to review my situation","Property Chat",-6940,8398,151167,0,20,5,74,"Based on your financial information, we estimate that your risk position requires a buffer size of $24,853 - $62,278","Should interest rates rise by 1%, your total repayment will increase by $10,000 per year. If your interest rate rises by 2%, your repayment will increase by $20,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","4Years / 4 Months",,"Your risk position is HEALTHY.",,0,0,2020-01-17,"2020-01-17 03:01:49"
1414,Pauline,NSW,smyth.pauline@gmail.com,married/defacto,0,home,0,,760,week,0,week,1666,week,1190,week,0,16000,4400,10000,0,3.72,650000,650000,4.29,1700000,3,65000,92254,"I am looking to review my situation","Property Chat",63495,85144,1532595,1142910,51,0,49,"Based on your financial information, we estimate that your risk position requires a buffer size of $23,522 - $67,218","Should interest rates rise by 1%, your total repayment will increase by $6,600 per year. If your interest rate rises by 2%, your repayment will increase by $13,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $11,921 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-01-14,"2020-01-14 23:23:53"
1413,"james nipperess",ACT,jamesnipperess01@gmail.com,single,0,renting,160,week,53040,annual,0,week,2325,fortnight,0,,400,5000,450,0,0,4.49,780000,0,3.75,1200000,2,87000,36502,"I am a New Investor (1-3 properties)","Property Chat",397,10064,181163,7154,35,8,56,"Based on your financial information, we estimate that your risk position requires a buffer size of $16,490 - $40,979","Should interest rates rise by 1%, your total repayment will increase by $7,800 per year. If your interest rate rises by 2%, your repayment will increase by $15,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-01-14,"2020-01-14 11:48:59"
1412,r,NSW,martian3@pm.me,married/defacto,1,home,0,,90000,annual,0,month,0,month,12000,annual,0,12000,25000,140000,0,3.80,350000,0,4.30,4750000,4,1500000,-269745,"I am an Advanced Investor (3+ properties)",Other,-281244,-276898,0,0,-321,6,415,"Based on your financial information, we estimate that your risk position requires a buffer size of $22,182 - $50,813","Should interest rates rise by 1%, your total repayment will increase by $4,900 per year. If your interest rate rises by 2%, your repayment will increase by $9,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","4Years / 10 Months",,"Your risk position is HEALTHY.",,0,0,2020-01-11,"2020-01-11 12:05:02"
1411,Grace,NSW,gracewaigei@gmail.com,single,0,home,0,,300,month,0,fortnight,4500,month,0,,0,0,2000,380000,0,3.00,0,0,0.10,600000,1,30000,12589,"I am looking to review my situation",Other,707,7782,140093,12728,22,20,58,"Based on your financial information, we estimate that your risk position requires a buffer size of $9,061 - $24,148","Should interest rates rise by 1%, your total repayment will increase by $3,800 per year. If your interest rate rises by 2%, your repayment will increase by $7,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","10Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2020-01-08,"2020-01-08 07:31:23"
1410,"Grace Lee",NSW,gracewaigei@gmail.com,single,0,home,0,,300,month,0,week,4500,month,0,,0,10000,2000,380000,0,3.00,0,0,0.10,600000,1,30000,8989,"I am a First Home Buyer",Other,-2892,4182,75293,0,16,20,64,"Based on your financial information, we estimate that your risk position requires a buffer size of $9,061 - $24,148","Should interest rates rise by 1%, your total repayment will increase by $3,800 per year. If your interest rate rises by 2%, your repayment will increase by $7,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","4Years / 7 Months",,"Your risk position is HEALTHY.",,0,0,2020-01-08,"2020-01-08 07:22:16"
1409,"Grace Lee",NSW,gracewaigei@gmail.com,single,0,"Other(Living Rent Free)",0,,300,month,0,week,4500,month,0,,0,10000,2000,410000,380000,3.00,0,0,0.10,600000,1,30000,15297,"I am a First Home Buyer",Other,-15001,4267,76809,0,27,35,38,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,345 - $30,305","Should interest rates rise by 1%, your total repayment will increase by $4,100 per year. If your interest rate rises by 2%, your repayment will increase by $8,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $6,969 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","6Years / 10 Months",,"Your risk position is HEALTHY.",,0,0,2020-01-08,"2020-01-08 07:08:32"
1408,"Nimai Hawkins",VIC,nimai.hawkins@gmail.com,married/defacto,0,home,0,,1950,month,0,week,7635,month,3011,fortnight,550,15000,1400,599000,599000,4.08,514500,514500,4.01,1495000,2,39590,116395,"I am a New Investor (1-3 properties)",Other,33684,73927,1330698,606322,62,13,25,"Based on your financial information, we estimate that your risk position requires a buffer size of $30,359 - $85,467","Should interest rates rise by 1%, your total repayment will increase by $11,135 per year. If your interest rate rises by 2%, your repayment will increase by $22,270 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $20,422 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2020-01-07,"2020-01-07 01:18:48"
1407,Dan,NSW,hsctutoring007@gmail.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,62000,annual,0,,0,1000,2000,0,0,4.49,0,0,4.99,0,0,150000,37640,"I am a First Home Buyer","Property Chat",29840,29840,537120,537120,61,13,27,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,583 - $10,333","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-12-29,"2019-12-29 02:50:55"
1406,"jack smith",NSW,google@gmail.com,single,0,renting,350,week,0,week,0,week,2400,fortnight,0,,0,0,500,0,0,4.49,0,0,4.99,0,0,250000,38200,"None of the above",Other,23200,23200,417600,417600,61,29,10,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,600 - $10,400","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-12-17,"2019-12-17 12:51:47"
1405,"Jason Wells",NSW,jgbwells@gmail.com,married/defacto,0,renting,790,week,13000,annual,0,week,104000,annual,70000,annual,0,0,5000,0,0,4.49,232000,232000,4.29,269000,1,270000,73382,"I am a First Home Buyer",Other,63211,70893,1276088,1137813,40,22,38,"Based on your financial information, we estimate that your risk position requires a buffer size of $15,538 - $47,523","Should interest rates rise by 1%, your total repayment will increase by $2,320 per year. If your interest rate rises by 2%, your repayment will increase by $4,640 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $4,254 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-12-09,"2019-12-09 05:13:22"
1404,"Ben Stace",NSW,benstace4@gmail.com,married/defacto,2,renting,330,week,745,week,0,week,6123,month,200,month,0,3000,3000,0,0,4.49,454000,0,3.55,650000,2,30000,24104,"I am a New Investor (1-3 properties)","Property Chat",10355,16749,301495,186391,23,16,61,"Based on your financial information, we estimate that your risk position requires a buffer size of $14,981 - $37,714","Should interest rates rise by 1%, your total repayment will increase by $4,540 per year. If your interest rate rises by 2%, your repayment will increase by $9,080 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","46Years / 10 Months",,"Your risk position is HEALTHY.",,0,0,2019-12-06,"2019-12-06 20:54:27"
1403,Jorge,NSW,jorge.cassiano@outlook.com.au,married/defacto,2,renting,650,week,2800,month,0,annual,7300,month,2000,annual,670,15000,1200,0,0,0.10,670000,100,4.75,880000,2,5000,14111,"I am looking to review my situation",Other,-21597,-19173,0,0,12,29,59,"Based on your financial information, we estimate that your risk position requires a buffer size of $18,029 - $47,270","Should interest rates rise by 1%, your total repayment will increase by $6,700 per year. If your interest rate rises by 2%, your repayment will increase by $13,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $2 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 3 Months",,"You risk levels are high.",,0,0,2019-12-06,"2019-12-06 09:58:25"
1402,"Mohammad Mortazavi",NSW,smohammad.mortazavi@gmail.com,married/defacto,0,home,0,,0,week,0,week,3600,fortnight,4000,annual,0,2000,2500,760000,0,3.25,0,0,4.99,855000,1,35000,27189,"I am looking to review my situation","Property Chat",-7334,5266,94796,0,28,25,47,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,888 - $49,719","Should interest rates rise by 1%, your total repayment will increase by $7,600 per year. If your interest rate rises by 2%, your repayment will increase by $15,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","6Years / 6 Months",,"Your risk position is HEALTHY.",,0,0,2019-12-02,"2019-12-02 02:01:25"
1401,"Michael Nguyen",VIC,michaelnguyen_@outlook.com,married/defacto,3,"Other(Living Rent Free)",0,,5367,month,360,fortnight,1042,week,1430,fortnight,0,6000,7000,0,0,4.49,1011231,387000,4.25,1277000,3,5000,10563,"I am looking to review my situation","Property Chat",-28606,-10561,0,0,7,5,88,"Based on your financial information, we estimate that your risk position requires a buffer size of $27,564 - $71,410","Should interest rates rise by 1%, your total repayment will increase by $10,112 per year. If your interest rate rises by 2%, your repayment will increase by $20,224 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $7,097 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 1 Months",,"You risk levels are high.",,0,0,2019-11-26,"2019-11-26 05:21:57"
1400,S,NSW,suziesaly@hotmail.com,married/defacto,0,renting,600,week,0,week,0,week,83,month,10000,month,1200,10000,4500,220000,100000,4.49,0,0,4.99,550000,1,50000,6018,"None of the above",Other,-701,3073,55329,0,5,34,61,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,324 - $32,763","Should interest rates rise by 1%, your total repayment will increase by $2,200 per year. If your interest rate rises by 2%, your repayment will increase by $4,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $1,834 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","3Years / 10 Months",,"Your risk position is HEALTHY.",,0,0,2019-11-25,"2019-11-25 03:53:27"
1399,S,NSW,Suziesaly@hotmail.com,married/defacto,0,renting,600,week,0,week,0,week,83,month,10000,month,1200,10000,4500,220000,100000,4.49,0,0,4.99,550000,1,50000,6018,"None of the above",Other,-701,3073,55329,0,5,34,61,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,324 - $32,763","Should interest rates rise by 1%, your total repayment will increase by $2,200 per year. If your interest rate rises by 2%, your repayment will increase by $4,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $1,834 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","3Years / 10 Months",,"Your risk position is HEALTHY.",,0,0,2019-11-25,"2019-11-25 03:52:19"
1398,"David Gilford",NSW,dsgilford01@gmail.com,married/defacto,0,home,0,,190000,annual,0,annual,0,annual,65000,annual,0,12600,6000,0,0,4.49,2500000,2500000,4.80,6250000,8,140000,5849,"I am a First Home Buyer","Property Chat",-90993,-24150,0,0,3,0,97,"Based on your financial information, we estimate that your risk position requires a buffer size of $63,388 - $161,515","Should interest rates rise by 1%, your total repayment will increase by $25,000 per year. If your interest rate rises by 2%, your repayment will increase by $50,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $45,851 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 3 Months",,"Your risk position is HEALTHY.",,0,0,2019-11-23,"2019-11-23 02:42:34"
1397,J,NSW,U@bigpond.com,single,0,renting,150,week,0,week,0,week,724,week,0,,0,0,1100,0,0,4.49,0,0,4.99,0,0,250000,16648,"I am a First Home Buyer","Property Chat",8848,8848,159264,159264,44,21,35,"Based on your financial information, we estimate that your risk position requires a buffer size of $1,568 - $6,274","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-11-21,"2019-11-21 10:14:50"
1396,Why,ACT,why@why.com,single,0,renting,620,week,670,week,0,week,6631,month,0,,0,0,2000,0,0,4.49,525200,0,2.90,652000,2,60000,23403,"I am looking to review my situation","Property Chat",6642,16845,303216,119564,22,30,48,"Based on your financial information, we estimate that your risk position requires a buffer size of $16,748 - $43,724","Should interest rates rise by 1%, your total repayment will increase by $5,252 per year. If your interest rate rises by 2%, your repayment will increase by $10,504 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","11Years / 10 Months",,"Your risk position is HEALTHY.",,0,0,2019-11-21,"2019-11-21 01:48:09"
1395,Kelly,ACT,k.bernardi@icloud.com,married/defacto,0,home,0,,300,annual,0,annual,5400,month,2000,fortnight,0,26000,3300,430000,0,3.20,255000,0,3.20,1050000,2,15000,36688,"I am looking to review my situation",Other,13762,25400,457217,247717,31,12,57,"Based on your financial information, we estimate that your risk position requires a buffer size of $18,137 - $48,584","Should interest rates rise by 1%, your total repayment will increase by $6,850 per year. If your interest rate rises by 2%, your repayment will increase by $13,700 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-11-19,"2019-11-19 01:59:24"
1394,"james patterson",NSW,tuffgongislandroad@hotmail.com,married/defacto,0,home,0,,3000,annual,0,annual,10200,month,7000,month,0,15000,6000,960000,0,3.70,0,0,4.99,1280000,1,215000,77487,"None of the above","Property Chat",51925,64231,1156162,934655,37,17,46,"Based on your financial information, we estimate that your risk position requires a buffer size of $21,450 - $65,028","Should interest rates rise by 1%, your total repayment will increase by $9,600 per year. If your interest rate rises by 2%, your repayment will increase by $19,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-11-15,"2019-11-15 02:13:37"
1393,"james patterson",NSW,tuffgongislandroad@hotmail.com,married/defacto,0,home,0,,3000,annual,0,annual,10200,month,7000,month,5000,15000,6000,960000,0,3.70,0,0,4.99,1280000,1,215000,17487,"None of the above","Property Chat",-8074,4231,76162,0,8,17,75,"Based on your financial information, we estimate that your risk position requires a buffer size of $21,450 - $65,028","Should interest rates rise by 1%, your total repayment will increase by $9,600 per year. If your interest rate rises by 2%, your repayment will increase by $19,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","10Years / 8 Months",,"Your risk position is HEALTHY.",,0,0,2019-11-15,"2019-11-15 02:09:18"
1392,"Owen McCrink",VIC,Owen@mccrink.com.au,married/defacto,1,home,0,,420,month,0,month,7140,month,2900,month,0,5000,5000,0,0,4.49,332000,0,3.40,485000,1,280000,49080,"I am Looking to upgrade my home in future",Other,39570,44662,803926,712261,39,0,61,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,742 - $34,629","Should interest rates rise by 1%, your total repayment will increase by $3,320 per year. If your interest rate rises by 2%, your repayment will increase by $6,640 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-11-13,"2019-11-13 09:31:47"
1391,"Damith Balasooriya",VIC,damith00@hotmail.com,married/defacto,2,home,0,,700,week,0,week,936,week,1040,week,0,3800,4500,414000,414000,4.50,406000,406000,3.85,1300000,2,0,38229,"I am looking to review my situation","Property Chat",1365,29663,533938,24575,29,14,57,"Based on your financial information, we estimate that your risk position requires a buffer size of $22,072 - $59,791","Should interest rates rise by 1%, your total repayment will increase by $8,200 per year. If your interest rate rises by 2%, your repayment will increase by $16,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $15,039 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 0 Months",,"You risk levels are high.",,0,0,2019-11-12,"2019-11-12 06:10:57"
1390,Bike,NSW,Bikefreak333@gmail.com,single,0,renting,250,week,805,week,0,week,60000,annual,0,,0,0,1200,0,0,4.49,820000,820000,4.40,1040000,2,20000,31270,"I am a New Investor (1-3 properties)",Other,-10373,15650,281707,0,33,14,53,"Based on your financial information, we estimate that your risk position requires a buffer size of $22,312 - $58,860","Should interest rates rise by 1%, your total repayment will increase by $8,200 per year. If your interest rate rises by 2%, your repayment will increase by $16,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $15,039 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 7 Months",,"Your risk position is HEALTHY.",,0,0,2019-11-10,"2019-11-10 10:16:46"
1389,Sharon,ACT,twintoxic23@gmail.com,single,1,"Other(Living Rent Free)",0,,21189,month,3811,month,50000,month,0,,21189,0,15000,0,0,4.49,0,0,4.99,0,0,500000,339615,"None of the above",Other,331815,331815,5972671,5972671,40,1,59,"Based on your financial information, we estimate that your risk position requires a buffer size of $25,000 - $100,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-11-09,"2019-11-09 15:55:08"
1388,Tom,VIC,tom_dimma@hotmail.com,married/defacto,1,home,0,,85000,annual,0,annual,100000,annual,10000,annual,0,5000,4200,680000,130000,3.50,1500000,1500000,4.00,3000000,5,350000,31428,"I am an Advanced Investor (3+ properties)","Property Chat",-60789,7881,141863,0,18,13,69,"Based on your financial information, we estimate that your risk position requires a buffer size of $51,359 - $128,506","Should interest rates rise by 1%, your total repayment will increase by $21,800 per year. If your interest rate rises by 2%, your repayment will increase by $43,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $29,894 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","6Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2019-11-07,"2019-11-07 23:52:08"
1387,Steve,VIC,sshoh@optusnet.com.au,single,0,"Other(Living Rent Free)",0,,0,week,0,week,4166,month,0,,0,0,1500,0,0,4.49,0,0,4.99,0,0,200000,31992,"I am a First Home Buyer","Property Chat",21192,21192,381456,381456,64,16,20,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,083 - $8,332","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-11-07,"2019-11-07 11:38:03"
1386,Steve,VIC,sshoh@optusnet.com.au,single,0,"Other(Living Rent Free)",0,,500,annual,0,week,5000,month,0,,0,0,1500,0,0,4.49,0,0,4.99,0,0,200000,42252,"I am a First Home Buyer","Property Chat",31452,31452,566136,566136,70,13,17,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,500 - $10,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-11-07,"2019-11-07 11:31:44"
1385,"Thomas Robertson",NSW,t_robertson87@hotmail.com,married/defacto,3,renting,550,week,515,week,0,week,7700,month,580,week,95,0,6000,572000,0,3.20,572000,0,3.20,750000,1,25000,-15528,"I am looking to review my situation","Property Chat",-49808,-30370,0,0,-11,33,78,"Based on your financial information, we estimate that your risk position requires a buffer size of $72,407 - $118,747","Should interest rates rise by 1%, your total repayment will increase by $11,440 per year. If your interest rate rises by 2%, your repayment will increase by $22,880 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 2 Months",,"You risk levels are high.",,0,0,2019-11-07,"2019-11-07 08:57:27"
1384,"Edi Vancina",VIC,edivancina@live.com,married/defacto,0,home,0,,1100,month,0,week,1100,week,2600,fortnight,900,21000,2000,200000,0,3.60,220000,0,3.60,1050000,2,65000,69842,"I am looking to review my situation","Property Chat",40374,46113,830036,726734,52,5,43,"Based on your financial information, we estimate that your risk position requires a buffer size of $14,775 - $42,950","Should interest rates rise by 1%, your total repayment will increase by $4,200 per year. If your interest rate rises by 2%, your repayment will increase by $8,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-11-07,"2019-11-07 02:38:38"
1383,"Michael Edwards",WA,edwards.michael@iinet.net.au,married/defacto,3,renting,635,week,0,week,0,week,15000,month,4000,month,0,0,9000,0,0,4.49,0,0,0.10,0,0,12000,86980,"I am looking to review my situation","Property Chat",86980,86980,1565640,1565640,38,14,47,"Based on your financial information, we estimate that your risk position requires a buffer size of $9,500 - $38,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-10-29,"2019-10-29 06:18:39"
1382,"Lourenco Chan",NSW,lourenco.chan@hotmail.com,single,0,home,0,,70900,annual,0,annual,104003,annual,0,,0,16000,2981,0,0,0.10,566000,566000,3.84,2000000,2,600000,85894,"I am looking to review my situation","Property Chat",58535,80460,1448289,1053638,53,0,47,"Based on your financial information, we estimate that your risk position requires a buffer size of $16,016 - $48,224","Should interest rates rise by 1%, your total repayment will increase by $5,660 per year. If your interest rate rises by 2%, your repayment will increase by $11,320 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $10,380 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-10-23,"2019-10-23 10:07:05"
1381,"Advantage Alpha",NSW,advantagealpha@outlook.com,married/defacto,1,renting,1100,week,0,week,0,week,78370,annual,67449,annual,0,0,2380,0,0,4.49,0,0,4.99,0,0,160000,60059,"I am looking to review my situation","Property Chat",46618,46618,839141,839141,41,39,20,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,075 - $24,303","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-10-21,"2019-10-21 09:59:17"
1380,"Advantage Alpha",NSW,advantagealpha@outlook.com,married/defacto,1,renting,1100,week,0,week,0,week,78370,annual,67449,annual,0,0,2380,0,0,4.49,0,0,4.99,0,0,160000,60059,"I am looking to review my situation","Property Chat",46618,46618,839141,839141,41,39,20,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,075 - $24,303","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-10-21,"2019-10-21 09:56:26"
1379,"LINDA MCGREGOR",QLD,LINDAYENAUS@GMAIL.COM,married/defacto,0,"Other(Living Rent Free)",0,,550,week,0,week,200000,annual,100000,annual,0,5000,2000,0,0,0.10,821778,0,3.50,960000,1,630952,258015,"I am a New Investor (1-3 properties)",Media,203225,215144,3872605,3658055,80,2,18,"Based on your financial information, we estimate that your risk position requires a buffer size of $27,594 - $83,593","Should interest rates rise by 1%, your total repayment will increase by $8,217 per year. If your interest rate rises by 2%, your repayment will increase by $16,435 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-10-20,"2019-10-20 11:43:42"
1378,"Diwakar Datt",NSW,diwakardatt@gmail.com,single,0,home,0,,44200,annual,1,annual,70000,annual,0,,0,6000,1200,450000,0,3.79,975000,0,3.99,2350000,3,50000,11030,"I am a New Investor (1-3 properties)",Facebook,-31300,-15799,0,0,10,16,73,"Based on your financial information, we estimate that your risk position requires a buffer size of $24,855 - $61,784","Should interest rates rise by 1%, your total repayment will increase by $14,250 per year. If your interest rate rises by 2%, your repayment will increase by $28,500 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 7 Months",,"Your risk position is HEALTHY.",,0,0,2019-10-19,"2019-10-19 03:33:21"
1377,"Amelia De Gregorio",NSW,ameliadegregorio@gmail.com,married/defacto,0,renting,300,week,0,week,0,week,41000,annual,51000,annual,0,1000,2000,0,0,4.49,0,0,4.99,0,0,63000,52040,"I am a First Home Buyer","Property Chat",38839,38839,699119,699119,57,17,26,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,833 - $15,333","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-10-18,"2019-10-18 11:59:06"
1376,"Amelia De Gregorio",NSW,ameliadegregorio@gmail.com,married/defacto,0,renting,300,week,0,week,0,week,41000,annual,51000,annual,0,1000,2000,0,0,4.49,0,0,4.99,0,0,63000,52040,"I am a First Home Buyer","Property Chat",38839,38839,699119,699119,57,17,26,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,833 - $15,333","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-10-18,"2019-10-18 11:54:12"
1375,"Michael Nguyen",VIC,Michaelnguyen_@outlook.com,married/defacto,3,"Other(Living Rent Free)",0,,5300,month,100,fortnight,1042,week,800,fortnight,0,6000,7500,0,0,4.49,1021000,387000,4.20,1410000,3,4000,-18980,"I am a New Investor (1-3 properties)","Property Chat",-58789,-40144,0,0,-15,6,109,"Based on your financial information, we estimate that your risk position requires a buffer size of $25,898 - $63,998","Should interest rates rise by 1%, your total repayment will increase by $10,210 per year. If your interest rate rises by 2%, your repayment will increase by $20,420 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $7,097 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 0 Months",,"You risk levels are high.",,0,0,2019-10-18,"2019-10-18 11:50:06"
1374,"Lin chen",WA,Linchen966@yahoo.com,married/defacto,0,home,0,,10000,month,0,week,1000,week,6000,fortnight,0,6000,8000,200000,0,3.70,1780000,1000000,4.40,2200000,7,4000,98039,"None of the above","Property Chat",32996,72559,1306070,593932,32,2,65,"Based on your financial information, we estimate that your risk position requires a buffer size of $73,426 - $172,306","Should interest rates rise by 1%, your total repayment will increase by $19,800 per year. If your interest rate rises by 2%, your repayment will increase by $39,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $18,340 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 2 Months",,"You risk levels are high.",,0,0,2019-10-18,"2019-10-18 11:25:18"
1373,"Lin chen",WA,Linchen966@yahoo.com,married/defacto,0,home,0,,10000,month,0,week,1000,week,4000,fortnight,0,6000,7700,0,0,4.49,1770145,1002625,4.40,2250000,7,30000,61156,"None of the above","Property Chat",1598,38596,694744,28770,24,0,76,"Based on your financial information, we estimate that your risk position requires a buffer size of $56,432 - $142,159","Should interest rates rise by 1%, your total repayment will increase by $17,701 per year. If your interest rate rises by 2%, your repayment will increase by $35,402 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $18,388 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 10 Months",,"Your risk position could be improved",,0,0,2019-10-18,"2019-10-18 11:03:36"
1372,"JAMES Patterson",NSW,tuffgongislandroad@hotmail.com,married/defacto,0,home,0,,0,annual,0,annual,10200,month,7000,month,0,15000,6000,960000,0,3.80,0,0,4.99,1280000,1,130000,75322,"I am looking to review my situation","Property Chat",50413,61902,1114238,907439,36,18,46,"Based on your financial information, we estimate that your risk position requires a buffer size of $21,450 - $65,028","Should interest rates rise by 1%, your total repayment will increase by $9,600 per year. If your interest rate rises by 2%, your repayment will increase by $19,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-10-17,"2019-10-17 23:16:11"
1371,"Nafisa Ali",NSW,nafisak@live.com.au,married/defacto,3,home,0,,0,week,0,week,1200,fortnight,1500,week,3000,10000,800,350000,0,4.49,0,0,4.99,800000,1,30000,38744,"I am looking to review my situation",Facebook,-1051,1030,18543,0,35,14,50,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,068 - $31,560","Should interest rates rise by 1%, your total repayment will increase by $3,500 per year. If your interest rate rises by 2%, your repayment will increase by $7,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-10-17,"2019-10-17 03:04:13"
1370,"Nafisa Ali",NSW,Nafisak@live.com.au,married/defacto,3,home,0,,0,week,0,week,1200,fortnight,1500,week,3000,10000,800,350000,0,4.49,0,0,4.99,800000,1,30000,38744,"I am looking to review my situation",Facebook,-1051,1030,18543,0,35,14,50,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,068 - $31,560","Should interest rates rise by 1%, your total repayment will increase by $3,500 per year. If your interest rate rises by 2%, your repayment will increase by $7,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-10-17,"2019-10-17 03:02:30"
1369,"David J",QLD,djohnsonau@gmail.com,married/defacto,1,home,0,,0,annual,1000,month,40000,annual,0,annual,1380,1000,1020,290000,0,3.60,0,0,4.99,340000,1,20000,7018,"I am Looking to upgrade my home in future","Property Chat",-25859,-21897,0,0,13,20,66,"Based on your financial information, we estimate that your risk position requires a buffer size of $9,525 - $23,634","Should interest rates rise by 1%, your total repayment will increase by $2,900 per year. If your interest rate rises by 2%, your repayment will increase by $5,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","2Years / 3 Months",,"Your risk position is HEALTHY.",,0,0,2019-10-17,"2019-10-17 02:02:47"
1368,"Jan Sweeney",QLD,Jansweeney@mail.com,married/defacto,0,home,0,,0,week,0,week,85000,annual,250000,annual,400,40000,1500,900000,74000,4.49,740000,704000,4.99,1800000,1,20000,219189,"None of the above","Property Chat",142075,166455,2996198,2557357,65,12,23,"Based on your financial information, we estimate that your risk position requires a buffer size of $49,313 - $132,064","Should interest rates rise by 1%, your total repayment will increase by $16,400 per year. If your interest rate rises by 2%, your repayment will increase by $32,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $14,268 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-10-13,"2019-10-13 08:20:18"
1367,Amanda,QLD,Donutnome@gmail.com,single,3,home,0,,150,week,2000,fortnight,0,week,0,,0,12500,2000,350000,75000,3.99,360000,75000,3.99,600000,1,40000,-4603,"I am looking to review my situation",Other,-25427,-14110,0,0,-8,24,84,"Based on your financial information, we estimate that your risk position requires a buffer size of $30,797 - $52,774","Should interest rates rise by 1%, your total repayment will increase by $7,100 per year. If your interest rate rises by 2%, your repayment will increase by $14,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $2,751 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 10 Months",,"Your risk position could be improved",,0,0,2019-10-13,"2019-10-13 02:37:03"
1366,Amanda,QLD,Donutnome@gmail.com,single,3,home,0,,140,week,2000,fortnight,0,week,0,,0,12500,2000,340000,75000,3.99,0,0,3.99,600000,1,40000,9013,"I am looking to review my situation",Other,-1029,4474,80534,0,16,23,61,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,504 - $19,022","Should interest rates rise by 1%, your total repayment will increase by $3,400 per year. If your interest rate rises by 2%, your repayment will increase by $6,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $1,375 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","8Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2019-10-13,"2019-10-13 02:28:33"
1365,Amanda,QLD,Donutnome@gmail.com,single,3,home,0,,140,week,2000,fortnight,0,week,0,,0,12500,3000,340000,75000,3.99,0,0,3.99,580000,1,40000,-2987,"I am looking to review my situation",Other,-13029,-7525,0,0,-5,23,82,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,608 - $19,141","Should interest rates rise by 1%, your total repayment will increase by $3,400 per year. If your interest rate rises by 2%, your repayment will increase by $6,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $1,375 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 4 Months",,"Your risk position is HEALTHY.",,0,0,2019-10-13,"2019-10-13 02:21:56"
1364,"Denish Baburam",NSW,denish.baburam@expeditors.com,single,0,renting,400,week,1,month,1,month,90000,month,0,,1660,5000,1000,100000,1660,4.19,100000,11000,4.17,500000,1,250000,1015667,"I am a New Investor (1-3 properties)",Other,993929,995992,17927870,17890723,94,2,4,"Based on your financial information, we estimate that your risk position requires a buffer size of $49,808 - $191,103","Should interest rates rise by 1%, your total repayment will increase by $2,000 per year. If your interest rate rises by 2%, your repayment will increase by $4,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $232 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-10-11,"2019-10-11 20:20:52"
1363,Balan,SA,t_balan@hotmail.com,married/defacto,2,renting,530,week,2000,week,0,week,9300,month,0,month,0,4000,6000,0,0,5.00,0,0,4.99,2300000,5,10000,63016,"I am looking to review my situation","Property Chat",63015,63015,1134287,1134287,32,14,54,"Based on your financial information, we estimate that your risk position requires a buffer size of $24,650 - $58,600","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-10-10,"2019-10-10 10:31:16"
1362,Balan,SA,"t_balan\"hotmail.com",married/defacto,2,renting,530,week,2000,week,0,week,9300,month,0,month,0,4000,6000,0,0,5.00,0,0,4.99,2300000,5,10000,63016,"I am looking to review my situation","Property Chat",63015,63015,1134287,1134287,32,14,54,"Based on your financial information, we estimate that your risk position requires a buffer size of $24,650 - $58,600","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-10-10,"2019-10-10 10:30:13"
1361,"TONY NGUYEN",VIC,nguyentantony@gmail.com,single,0,"Other(Living Rent Free)",0,,1400,month,0,week,1850,fortnight,0,,0,6000,650,0,0,4.49,371000,0,4.00,700000,1,20000,31530,"I am a New Investor (1-3 properties)",Other,1413,5216,93891,25449,51,13,36,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,149 - $22,310","Should interest rates rise by 1%, your total repayment will increase by $3,710 per year. If your interest rate rises by 2%, your repayment will increase by $7,420 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-10-10,"2019-10-10 01:14:19"
1360,"Sumit Sharma",NSW,getsumitsharma@gmail.com,married/defacto,0,home,0,,0,week,0,week,119000,annual,145000,annual,0,15000,6500,780000,0,3.09,0,0,0.10,870000,1,125000,140682,"I am a New Investor (1-3 properties)","Property Chat",116748,130702,2352646,2101469,53,9,38,"Based on your financial information, we estimate that your risk position requires a buffer size of $27,506 - $78,550","Should interest rates rise by 1%, your total repayment will increase by $7,800 per year. If your interest rate rises by 2%, your repayment will increase by $15,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-10-10,"2019-10-10 00:56:17"
1359,"Just Curious",NSW,k3nsh1n78@gmail.com,married/defacto,0,home,0,,1000,annual,0,week,3210,fortnight,0,annual,0,12000,2500,380000,0,2.79,0,0,4.99,550000,1,130000,30931,"I am looking to review my situation","Property Chat",11336,19053,342959,204061,37,13,51,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,630 - $29,449","Should interest rates rise by 1%, your total repayment will increase by $3,800 per year. If your interest rate rises by 2%, your repayment will increase by $7,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-10-09,"2019-10-09 23:01:30"
1358,"Amanda and Daniel",TAS,mandi.adams@gmail.com,married/defacto,0,home,0,,0,annual,0,annual,2500,fortnight,1200,fortnight,0,1000,1500,150000,0,3.50,0,0,4.99,300000,1,180000,69757,"I am a New Investor (1-3 properties)","Property Chat",41560,43736,787256,748094,73,5,22,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,805 - $26,498","Should interest rates rise by 1%, your total repayment will increase by $1,500 per year. If your interest rate rises by 2%, your repayment will increase by $3,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-10-09,"2019-10-09 20:14:06"
1357,"Amanda Adams",TAS,mandi.adams@gmail.com,married/defacto,0,home,0,,0,week,0,week,2500,fortnight,1600,fortnight,0,1000,1500,150000,0,3.50,0,0,4.99,300000,1,180000,80157,"I am a New Investor (1-3 properties)","Property Chat",51960,54136,974456,935294,75,5,20,"Based on your financial information, we estimate that your risk position requires a buffer size of $9,238 - $28,231","Should interest rates rise by 1%, your total repayment will increase by $1,500 per year. If your interest rate rises by 2%, your repayment will increase by $3,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-10-09,"2019-10-09 19:35:26"
1356,a,NSW,szz1958@hotmail.com,married/defacto,0,home,0,,60840,annual,0,week,97800,annual,0,annual,0,11000,3200,437000,437000,4.29,0,0,4.99,930000,1,437000,67356,"I am looking to review my situation",Other,44599,59069,1063246,802788,46,13,41,"Based on your financial information, we estimate that your risk position requires a buffer size of $12,194 - $37,256","Should interest rates rise by 1%, your total repayment will increase by $4,370 per year. If your interest rate rises by 2%, your repayment will increase by $8,740 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $8,014 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-10-08,"2019-10-08 16:06:48"
1355,a,NSW,a,married/defacto,0,home,0,,60840,annual,0,week,97800,annual,0,annual,0,11000,3200,437000,437000,4.29,0,0,4.99,930000,1,437000,67356,"I am looking to review my situation",Other,44599,59069,1063246,802788,46,13,41,"Based on your financial information, we estimate that your risk position requires a buffer size of $12,194 - $37,256","Should interest rates rise by 1%, your total repayment will increase by $4,370 per year. If your interest rate rises by 2%, your repayment will increase by $8,740 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $8,014 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-10-08,"2019-10-08 16:05:47"
1354,"Amanda Adams",TAS,mandi.adams@gmail.com,married/defacto,0,home,0,,0,week,500,fortnight,1800,fortnight,0,week,0,1000,1200,150000,0,3.30,0,0,4.99,300000,1,180000,37157,"I am looking to review my situation","Property Chat",9960,12386,222948,179294,62,8,30,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,747 - $18,265","Should interest rates rise by 1%, your total repayment will increase by $1,500 per year. If your interest rate rises by 2%, your repayment will increase by $3,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-10-08,"2019-10-08 11:54:37"
1353,SH,NSW,shshs@gmail.com,single,0,home,0,,978,week,0,week,11986,month,0,,0,11000,2500,0,0,4.49,1460000,0,3.40,2180000,4,155000,82115,"I am a New Investor (1-3 properties)","Property Chat",40295,62690,1128420,725312,45,0,55,"Based on your financial information, we estimate that your risk position requires a buffer size of $33,622 - $84,383","Should interest rates rise by 1%, your total repayment will increase by $14,600 per year. If your interest rate rises by 2%, your repayment will increase by $29,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-10-07,"2019-10-07 06:47:59"
1352,"Carolyn Hess",WA,Clh0810@gmail.com,single,2,renting,390,week,0,week,500,month,1321,week,0,,0,0,1500,0,0,4.49,0,0,4.99,0,0,35000,36412,"None of the above",Facebook,33412,33412,601416,601416,49,27,24,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,862 - $11,448","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-10-06,"2019-10-06 05:47:52"
1351,"Carolyn Hess",WA,Clh010@gnail.com,single,2,renting,390,week,0,week,260,month,1321,week,0,,0,0,1500,0,0,4.49,0,0,4.99,0,0,35000,33532,"None of the above",Facebook,30532,30532,549576,549576,47,28,25,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,862 - $11,448","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-10-06,"2019-10-06 05:43:37"
1350,BJ,NSW,thebronster@yahoo.com.au,single,0,home,0,,0,week,0,week,1962,fortnight,0,,0,3000,2500,159000,0,4.35,0,0,4.99,650000,1,500,10434,"I am looking to review my situation","Property Chat",6916,8059,145065,124489,20,14,66,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,336 - $18,390","Should interest rates rise by 1%, your total repayment will increase by $1,590 per year. If your interest rate rises by 2%, your repayment will increase by $3,180 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 6 Months",,"Your risk position could be improved",,0,0,2019-10-05,"2019-10-05 21:34:09"
1349,Vik,QLD,vik@gmail.com,married/defacto,1,home,0,,47000,annual,0,annual,7250,fortnight,0,fortnight,0,35000,5000,439500,0,3.38,870000,387200,4.10,1550000,3,260000,86873,"I am looking to review my situation","Property Chat",44988,70072,1261310,809792,38,7,55,"Based on your financial information, we estimate that your risk position requires a buffer size of $38,393 - $100,479","Should interest rates rise by 1%, your total repayment will increase by $13,095 per year. If your interest rate rises by 2%, your repayment will increase by $26,190 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $7,101 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-10-01,"2019-10-01 00:34:44"
1348,"mila mao",NSW,matking.buy28@gmail.com,married/defacto,1,home,0,,0,week,0,week,1600,fortnight,1760,fortnight,1600,15000,2000,375000,243000,4.50,0,0,0.10,600000,1,160000,19799,"I am looking to review my situation",Other,-6322,1858,33459,0,23,19,58,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,479 - $32,900","Should interest rates rise by 1%, your total repayment will increase by $3,750 per year. If your interest rate rises by 2%, your repayment will increase by $7,500 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $4,456 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","289Years / 4 Months",,"Your risk position is HEALTHY.",,0,0,2019-09-30,"2019-09-30 22:47:18"
1347,S,VIC,Shaulee851@gmail.com,married/defacto,1,home,0,,390,week,200,fortnight,70000,annual,0,week,0,16000,3000,170000,0,4.49,160000,0,4.03,900000,2,50000,26801,"I am Looking to upgrade my home in future","Property Chat",18110,20720,372964,325996,29,8,62,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,982 - $32,302","Should interest rates rise by 1%, your total repayment will increase by $3,300 per year. If your interest rate rises by 2%, your repayment will increase by $6,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-09-28,"2019-09-28 14:06:49"
1346,pauline,NSW,smyth.pauline@gmail.com,married/defacto,0,home,0,,760,week,0,week,1600,week,1100,week,0,11000,3600,39000,0,3.85,660000,660000,4.15,1680000,3,35000,94563,"I am looking to review my situation","Property Chat",63708,87167,1569006,1146747,55,1,44,"Based on your financial information, we estimate that your risk position requires a buffer size of $23,673 - $66,914","Should interest rates rise by 1%, your total repayment will increase by $6,990 per year. If your interest rate rises by 2%, your repayment will increase by $13,980 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $12,104 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-09-27,"2019-09-27 01:47:56"
1345,al,VIC,ils10@protonmail.com,married/defacto,0,home,0,,45000,annual,0,week,100000,annual,30000,annual,0,8000,5000,0,0,3.00,800000,0,3.84,2400000,4,150000,58169,"None of the above","Property Chat",37631,46931,844767,677359,35,0,65,"Based on your financial information, we estimate that your risk position requires a buffer size of $23,583 - $64,428","Should interest rates rise by 1%, your total repayment will increase by $8,000 per year. If your interest rate rises by 2%, your repayment will increase by $16,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-09-25,"2019-09-25 04:05:56"
1344,"Lakshmi Jammalamadaka",NSW,narayana.jl@gmail.com,married/defacto,2,renting,560,week,380,week,0,week,104000,annual,0,week,0,6000,2900,0,0,4.49,300000,300000,3.89,375000,1,60000,41204,"I am a New Investor (1-3 properties)","Property Chat",19652,31086,559557,353753,34,24,41,"Based on your financial information, we estimate that your risk position requires a buffer size of $12,708 - $37,601","Should interest rates rise by 1%, your total repayment will increase by $3,000 per year. If your interest rate rises by 2%, your repayment will increase by $6,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $5,502 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-09-22,"2019-09-22 13:28:25"
1343,"jhon Mark",VIC,blabla@blabla.com,married/defacto,0,renting,1350,month,8000,annual,0,week,35000,annual,55000,annual,0,20000,4000,0,0,4.49,0,0,4.99,275000,1,30000,22632,"I am a First Home Buyer","Property Chat",22632,22632,407376,407376,23,17,60,"Based on your financial information, we estimate that your risk position requires a buffer size of $7,750 - $23,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-09-20,"2019-09-20 06:03:39"
1342,"Mark Shmid",VIC,christopher_kocksch@hotmail.fr,married/defacto,0,renting,1350,month,8000,annual,0,week,40000,annual,60000,annual,0,20000,3000,0,0,4.49,0,0,4.99,275000,1,35000,44632,"I am looking to review my situation","Property Chat",38632,38632,695376,695376,42,15,43,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,166 - $24,666","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-09-20,"2019-09-20 05:38:25"
1341,"Mark Shmid",VIC,christopher_kocksch@hotmail.fr,married/defacto,0,renting,1350,month,8000,annual,0,week,40000,annual,60000,annual,0,20000,1100,0,0,4.49,0,0,4.99,275000,1,35000,67432,"I am looking to review my situation","Property Chat",38632,38632,695376,695376,63,15,21,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,166 - $24,666","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-09-20,"2019-09-20 05:32:06"
1340,"Terry Larkham",ACT,tlarkham@tennis.com.au,married/defacto,2,home,0,,3860,week,0,week,8230,month,2722,fortnight,0,0,9830,0,0,4.49,3537000,3380000,4.09,4970000,12,220000,64291,"I am an Advanced Investor (3+ properties)","Property Chat",-94396,27457,494239,0,19,0,81,"Based on your financial information, we estimate that your risk position requires a buffer size of $103,070 - $248,478","Should interest rates rise by 1%, your total repayment will increase by $35,370 per year. If your interest rate rises by 2%, your repayment will increase by $70,740 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $61,990 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2019-09-20,"2019-09-20 04:36:38"
1339,"James Robertson",NSW,jimborobbo@msn.com,married/defacto,3,"Other(Living Rent Free)",0,,0,week,0,week,2500,week,200,week,1200,10000,2000,0,0,4.49,0,0,4.99,0,0,2000,98400,"I am looking to review my situation","Smart Property Investment",72600,72600,1306800,1306800,70,6,24,"Based on your financial information, we estimate that your risk position requires a buffer size of $5,850 - $23,400","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-09-18,"2019-09-18 05:45:04"
1338,Preetham,NSW,P.g.adhikar@outlook.com,married/defacto,3,home,0,,590,fortnight,15000,annual,7300,month,0,annual,0,0,2700,538000,0,3.79,340000,0,4.50,1080000,2,10000,32874,"I am looking to review my situation","Property Chat",6918,15394,277102,124528,29,18,54,"Based on your financial information, we estimate that your risk position requires a buffer size of $21,141 - $55,244","Should interest rates rise by 1%, your total repayment will increase by $8,780 per year. If your interest rate rises by 2%, your repayment will increase by $17,560 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","3Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2019-09-16,"2019-09-16 02:26:39"
1337,"Ziggy Matve",NSW,ziggy@matve.com.au,single,0,renting,900,week,0,week,0,week,4240,week,0,,0,19500,1200,0,0,4.49,0,0,4.99,0,0,25000,152260,"None of the above",Other,137860,137860,2481480,2481480,69,21,10,"Based on your financial information, we estimate that your risk position requires a buffer size of $9,186 - $36,746","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-09-16,"2019-09-16 01:54:57"
1336,"Belinda Squires",NSW,bel.squires@gmail.com,single,1,renting,390,week,0,week,0,week,6284,month,0,,0,2000,3100,0,0,4.49,0,0,4.99,0,0,15000,17208,"I am a First Home Buyer","Property Chat",17208,17208,309744,309744,23,27,50,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,142 - $12,568","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-09-13,"2019-09-13 13:31:20"
1335,Kate,NSW,katemhaddad@gmail.com,married/defacto,2,home,0,,900,week,60000,annual,200000,annual,200000,annual,4500,15000,4000,1000000,1000000,4.49,800000,800000,4.99,2600000,2,33000,304687,"I am a New Investor (1-3 properties)",Other,233380,283482,5102679,4200856,61,9,30,"Based on your financial information, we estimate that your risk position requires a buffer size of $47,891 - $143,178","Should interest rates rise by 1%, your total repayment will increase by $18,000 per year. If your interest rate rises by 2%, your repayment will increase by $36,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $33,012 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-09-13,"2019-09-13 06:16:02"
1334,Hamish,VIC,Hamishlou@gmail.com,single,0,renting,850,month,49536,annual,0,week,1170,week,0,,0,0,800,0,0,4.49,760000,760000,3.90,970000,1,40000,49020,"I am a New Investor (1-3 properties)","Property Chat",1340,30210,543782,24122,49,10,41,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,424 - $48,327","Should interest rates rise by 1%, your total repayment will increase by $7,600 per year. If your interest rate rises by 2%, your repayment will increase by $15,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $13,938 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-09-13,"2019-09-13 05:34:58"
1333,"Mia cha",VIC,chamia@hotspot.co,married/defacto,1,renting,2390,month,590,week,0,annual,6144,month,1428,fortnight,0,6000,3250,0,0,4.49,500000,0,4.14,875000,1,60000,35672,"I am looking to review my situation",Other,20873,25389,457012,375716,26,21,52,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,834 - $35,329","Should interest rates rise by 1%, your total repayment will increase by $5,000 per year. If your interest rate rises by 2%, your repayment will increase by $10,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-09-11,"2019-09-11 00:07:50"
1332,"li ping",VIC,li.ping@gmial.ca,married/defacto,1,renting,2390,month,590,week,0,week,6144,month,1429,fortnight,0,6000,3000,0,0,4.49,500000,0,4.14,875000,1,60000,38698,"I am looking to review my situation","Property Chat",20899,25415,457480,376184,29,21,50,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,835 - $35,333","Should interest rates rise by 1%, your total repayment will increase by $5,000 per year. If your interest rate rises by 2%, your repayment will increase by $10,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-09-10,"2019-09-10 23:58:37"
1331,latebowl,NSW,latebowl01@gmail.com,single,0,renting,225,week,0,week,0,week,2400,fortnight,0,,0,5000,700,0,0,4.49,0,0,4.99,0,0,15000,40500,"I am a First Home Buyer",Other,27900,27900,502200,502200,65,19,16,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,600 - $10,400","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-09-10,"2019-09-10 04:03:43"
1330,"Anjan Kumar Kandikonda",VIC,anjankumar163@gmail.com,married/defacto,0,home,0,,0,week,0,week,7400,month,6240,month,0,21000,3000,470000,0,3.73,0,0,4.99,600000,1,120000,94064,"I am a New Investor (1-3 properties)","Property Chat",69645,75550,1359905,1253614,57,11,32,"Based on your financial information, we estimate that your risk position requires a buffer size of $15,398 - $47,477","Should interest rates rise by 1%, your total repayment will increase by $4,700 per year. If your interest rate rises by 2%, your repayment will increase by $9,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-09-03,"2019-09-03 11:17:43"
1329,"Hamish Lou",VIC,Hamishlou@gmail.com,single,0,renting,375,fortnight,0,week,0,week,2930,fortnight,0,,0,0,500,0,0,4.49,0,0,4.99,0,0,95000,60430,"I am a First Home Buyer","Property Chat",45430,45430,817740,817740,79,13,8,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,174 - $12,696","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-09-03,"2019-09-03 05:27:29"
1328,"Khoa Vo",NSW,admin@confidencefinance.com.au,married/defacto,2,home,0,,0,week,0,week,6700,month,1600,fortnight,0,5000,3000,455000,0,3.90,0,0,4.99,675000,1,300000,58447,"I am looking to review my situation","Property Chat",40953,46008,828155,737157,48,15,38,"Based on your financial information, we estimate that your risk position requires a buffer size of $12,738 - $37,223","Should interest rates rise by 1%, your total repayment will increase by $4,550 per year. If your interest rate rises by 2%, your repayment will increase by $9,100 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-09-02,"2019-09-02 09:20:56"
1327,Khoa,NSW,Khoatran1302@gmail.com,married/defacto,2,home,0,,0,week,0,week,6700,month,1600,fortnight,0,5000,2000,455000,0,3.90,0,0,4.99,650000,1,300000,70447,"I am Looking to upgrade my home in future","Property Chat",40953,46008,828155,737157,58,15,28,"Based on your financial information, we estimate that your risk position requires a buffer size of $12,923 - $37,433","Should interest rates rise by 1%, your total repayment will increase by $4,550 per year. If your interest rate rises by 2%, your repayment will increase by $9,100 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-09-01,"2019-09-01 12:04:31"
1326,David,NSW,dtang90@gmail.com,single,0,renting,300,week,0,week,0,week,70223,annual,0,,0,6000,1700,0,0,4.49,0,0,4.99,0,0,80000,32063,"I am a First Home Buyer",Other,31463,31463,566334,566334,46,22,32,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,925 - $11,703","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-09-01,"2019-09-01 02:49:23"
1325,tg,QLD,trevor.genis@live.com,married/defacto,2,renting,1000,month,0,month,0,month,5000,month,0,month,100,2000,3000,0,0,4.49,0,0,4.99,0,0,400000,10080,"I am looking to review my situation","Property Chat",8880,8880,159840,159840,17,20,63,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,500 - $10,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-08-30,"2019-08-30 01:52:23"
1324,"Kevin Chan",NSW,kevinmpchan@gmail.com,single,0,"Other(Living Rent Free)",0,,69000,annual,0,week,107500,annual,0,,0,54000,1000,0,0,4.50,0,0,4.99,2473000,3,1556000,110836,"I am looking to review my situation","Property Chat",91036,91036,1638648,1638648,68,5,27,"Based on your financial information, we estimate that your risk position requires a buffer size of $16,479 - $41,916","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-08-20,"2019-08-20 10:14:46"
1323,ryhgfdg,ACT,fdghdfgh@gmail.com,married/defacto,0,renting,350,month,0,month,0,month,7140,month,1640,month,768,10000,600,0,0,4.49,0,0,0.10,0,0,70000,81144,"I am a First Home Buyer",Other,42744,42744,769392,769392,77,7,16,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,390 - $17,560","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-08-19,"2019-08-19 05:47:54"
1322,"Zayne Ismail",VIC,zayne@zayney.com.au,married/defacto,2,renting,2303,month,5130,week,0,week,6500,fortnight,50000,annual,0,15000,5000,0,0,4.49,3500000,1700000,4.22,6000000,17,350000,141066,"I am an Advanced Investor (3+ properties)",Other,23883,96661,1739898,429900,33,6,61,"Based on your financial information, we estimate that your risk position requires a buffer size of $111,413 - $265,278","Should interest rates rise by 1%, your total repayment will increase by $35,000 per year. If your interest rate rises by 2%, your repayment will increase by $70,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $31,178 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","8Years / 2 Months",,"Your risk position is HEALTHY.",,0,0,2019-08-14,"2019-08-14 20:43:07"
1321,"Ram Kumar",VIC,RamKi79@yahoo.co.in,married/defacto,2,home,0,,495,week,0,month,5970,month,4540,month,0,0,3600,760000,0,4.24,620000,560000,4.09,1760000,2,25000,35026,"None of the above","Property Chat",-9482,17227,310103,0,24,22,54,"Based on your financial information, we estimate that your risk position requires a buffer size of $29,279 - $80,610","Should interest rates rise by 1%, your total repayment will increase by $13,800 per year. If your interest rate rises by 2%, your repayment will increase by $27,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $10,270 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 6 Months",,"Your risk position is HEALTHY.",,0,0,2019-08-13,"2019-08-13 06:37:13"
1320,Tgggh,NSW,Bffhjj@live.com.au,married/defacto,0,renting,1546,month,0,month,0,month,7140,month,1640,month,768,10000,600,0,0,4.49,0,0,4.99,0,0,75000,66792,"I am a First Home Buyer","Property Chat",31992,31992,575856,575856,63,18,19,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,390 - $17,560","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-08-12,"2019-08-12 08:37:54"
1319,Gffghhhj,ACT,Cdhj@gmail.com,married/defacto,0,renting,1546,month,0,month,0,month,7140,month,1640,month,768,10000,600,0,0,4.49,0,0,0.10,0,0,75000,66792,"I am a First Home Buyer","Property Chat",31992,31992,575856,575856,63,18,19,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,390 - $17,560","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-08-12,"2019-08-12 08:33:09"
1318,Lil,VIC,bluesweetbird@gmail.com,married/defacto,2,renting,1700,month,0,week,630,fortnight,970,week,40000,annual,0,10000,1500,0,0,4.49,0,0,4.99,0,0,350000,64820,"I am a First Home Buyer","Property Chat",45620,45620,821160,821160,61,19,20,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,768 - $15,073","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-08-12,"2019-08-12 08:16:05"
1317,A,WA,gjgj1727@yahoo.com,married/defacto,2,home,0,,0,week,0,week,100000,annual,0,week,0,6000,3000,580000,265000,3.65,225000,0,4.99,1300000,2,200000,24144,"I am a New Investor (1-3 properties)","Property Chat",-7604,7783,140103,0,24,21,55,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,158 - $51,250","Should interest rates rise by 1%, your total repayment will increase by $8,050 per year. If your interest rate rises by 2%, your repayment will increase by $16,100 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $4,860 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","22Years / 4 Months",,"Your risk position is HEALTHY.",,0,0,2019-08-12,"2019-08-12 01:39:09"
1316,Phillip,QLD,phillipgood@me.com,married/defacto,5,home,0,,25000,annual,10000,annual,212000,annual,0,annual,0,50000,10000,585000,0,4.49,630000,630000,4.25,2000000,2,245000,44787,"I am a New Investor (1-3 properties)","Property Chat",4556,29211,525802,82017,19,11,71,"Based on your financial information, we estimate that your risk position requires a buffer size of $28,217 - $82,292","Should interest rates rise by 1%, your total repayment will increase by $12,150 per year. If your interest rate rises by 2%, your repayment will increase by $24,300 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $11,554 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","40Years / 10 Months",,"Your risk position is HEALTHY.",,0,0,2019-08-11,"2019-08-11 10:50:40"
1315,"Nic Schlimmer",QLD,nicholas.schlimmer@defence.gov.au,married/defacto,0,home,0,,600,week,0,week,2889,fortnight,5500,month,0,10000,2500,460000,0,3.70,372000,0,3.80,1150000,3,85000,83225,"I am a New Investor (1-3 properties)","Property Chat",49324,59672,1074107,887834,50,10,40,"Based on your financial information, we estimate that your risk position requires a buffer size of $25,205 - $65,554","Should interest rates rise by 1%, your total repayment will increase by $8,320 per year. If your interest rate rises by 2%, your repayment will increase by $16,640 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-08-08,"2019-08-08 01:51:26"
1314,"Tom Chapman",WA,tfchapm3@gmail.com,single,0,renting,180,week,2300,annual,0,annual,2800,fortnight,0,,0,3000,1000,0,0,4.49,0,0,4.99,0,0,175000,51519,"I am a First Home Buyer","Property Chat",42519,42519,765345,765345,69,13,18,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,033 - $12,133","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-08-06,"2019-08-06 12:25:58"
1313,"ric schotte",QLD,ric.noir@gmail.com,married/defacto,2,home,0,,60000,annual,0,annual,0,annual,57000,annual,0,12000,5000,0,0,3.87,2900,0,3.87,6000000,6,0,22805,"I am an Advanced Investor (3+ properties)","Property Chat",22730,22763,409749,409155,22,0,78,"Based on your financial information, we estimate that your risk position requires a buffer size of $26,675 - $58,137","Should interest rates rise by 1%, your total repayment will increase by $29 per year. If your interest rate rises by 2%, your repayment will increase by $58 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 0 Months",,"You risk levels are high.",,0,0,2019-08-06,"2019-08-06 00:36:58"
1312,"Max Kenny",NSW,max.d.kenny@gmail.com,married/defacto,1,renting,3200,month,0,week,0,week,13000,month,2000,month,0,12000,3700,0,0,4.49,0,0,4.99,0,0,20000,92880,"I am looking to review my situation",,89280,89280,1607040,1607040,52,21,27,"Based on your financial information, we estimate that your risk position requires a buffer size of $7,500 - $30,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-08-05,"2019-08-05 23:49:58"
1311,"test test",VIC,asfasdfasdf23dfgadfgw4234324@mailinatar.com,married/defacto,1,home,0,,410,week,0,week,6300,month,0,month,0,2000,2000,332000,332000,4.40,0,0,4.99,450000,1,300000,47017,"I am Looking to upgrade my home in future","Property Chat",19628,30165,542975,353315,51,16,33,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,670 - $32,701","Should interest rates rise by 1%, your total repayment will increase by $3,320 per year. If your interest rate rises by 2%, your repayment will increase by $6,640 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $6,089 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-08-05,"2019-08-05 05:43:40"
1310,"Michael Good",NSW,mikeneli@outlook.com,married/defacto,4,home,0,,0,week,5000,annual,1200,week,0,week,0,0,3500,330000,0,3.61,0,0,4.99,499000,1,10000,7374,"I am looking to review my situation","Property Chat",-1614,2867,51610,0,11,18,71,"Based on your financial information, we estimate that your risk position requires a buffer size of $9,185 - $24,773","Should interest rates rise by 1%, your total repayment will increase by $3,300 per year. If your interest rate rises by 2%, your repayment will increase by $6,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 2 Months",,"Your risk position is HEALTHY.",,0,0,2019-08-05,"2019-08-05 02:04:15"
1309,"Darren Parker",QLD,darren.rm.parker@gmail.com,single,1,renting,400,week,0,fortnight,0,fortnight,100000,annual,0,,0,10000,2500,0,0,4.49,0,0,4.99,0,0,50000,45600,"None of the above",Other,45600,45600,820800,820800,46,21,34,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,166 - $16,666","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-08-04,"2019-08-04 20:58:36"
1308,Gary,VIC,cn_flame@hotmail.com,married/defacto,1,"Other(Living Rent Free)",0,,350,week,0,week,2000,week,0,week,0,30000,1000,0,0,4.49,250000,0,4.99,400000,1,250000,78449,,Other,36270,36627,659293,652860,66,7,27,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,150 - $29,999","Should interest rates rise by 1%, your total repayment will increase by $2,500 per year. If your interest rate rises by 2%, your repayment will increase by $5,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-08-04,"2019-08-04 16:51:56"
1307,Mike,VIC,mike.sp311@gmail.com,married/defacto,2,home,0,,65000,annual,0,week,9500,month,1800,month,0,15000,4500,0,0,4.70,900000,900000,4.46,2550000,3,310000,83805,"I am looking to review my situation","Property Chat",45881,73770,1327860,825873,45,0,55,"Based on your financial information, we estimate that your risk position requires a buffer size of $24,490 - $71,402","Should interest rates rise by 1%, your total repayment will increase by $9,000 per year. If your interest rate rises by 2%, your repayment will increase by $18,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $16,506 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-08-04,"2019-08-04 12:32:09"
1306,j,NSW,lazy167@gmail.com,single,0,"Other(Living Rent Free)",0,,22000,annual,0,week,50000,annual,0,,0,17000,700,0,0,0.00,215000,0,4.19,350000,1,200000,NaN,"I am a New Investor (1-3 properties)",Other,12147,NaN,0,218656,NaN,NaN,NaN,"Based on your financial information, we estimate that your risk position requires a buffer size of $7,610 - $20,304","Should interest rates rise by 1%, your total repayment will increase by $2,150 per year. If your interest rate rises by 2%, your repayment will increase by $4,300 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2019-08-03,"2019-08-03 11:34:08"
1305,Aditya,VIC,Aditya.gundimeda@gmail.com,married/defacto,0,renting,3200,month,4900,month,0,week,11325,month,2850,fortnight,0,18000,3500,0,0,4.49,1730000,0,4.09,1840000,2,60000,81368,"I am looking to review my situation","Property Chat",33939,50320,905763,610918,32,15,53,"Based on your financial information, we estimate that your risk position requires a buffer size of $49,211 - $115,284","Should interest rates rise by 1%, your total repayment will increase by $17,300 per year. If your interest rate rises by 2%, your repayment will increase by $34,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-07-29,"2019-07-29 13:19:39"
1304,NA,QLD,na@kjasdfjasljflajel.com,married/defacto,2,home,0,,0,week,0,week,1000,week,800,week,0,89000,2000,177000,0,3.90,0,0,4.99,270000,1,5000,27542,,,9870,11837,213069,177670,29,7,63,"Based on your financial information, we estimate that your risk position requires a buffer size of $9,271 - $27,000","Should interest rates rise by 1%, your total repayment will increase by $1,770 per year. If your interest rate rises by 2%, your repayment will increase by $3,540 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-07-25,"2019-07-25 14:55:00"
1303,"Liqiong Song",VIC,balling7@gmail.com,married/defacto,0,home,0,,0,week,0,week,100000,annual,25000,annual,2000,0,2400,416000,0,3.43,0,0,4.99,800000,1,150000,49978,"I am a New Investor (1-3 properties)","Property Chat",24945,31222,562011,449023,40,11,49,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,549 - $35,816","Should interest rates rise by 1%, your total repayment will increase by $4,160 per year. If your interest rate rises by 2%, your repayment will increase by $8,320 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-07-25,"2019-07-25 13:31:53"
1302,no,,lame@lame.lame,single,0,renting,120,week,30000,annual,0,week,2600,fortnight,0,,1400,20000,1000,300000,0,3.41,200000,0,3.41,600000,2,50000,17168,,,-7680,-52,0,0,19,20,62,"Based on your financial information, we estimate that your risk position requires a buffer size of $16,857 - $42,027","Should interest rates rise by 1%, your total repayment will increase by $5,000 per year. If your interest rate rises by 2%, your repayment will increase by $10,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","4Years / 7 Months",,"Your risk position is HEALTHY.",,0,0,2019-07-24,"2019-07-24 09:28:01"
1301,Harry,NSW,harry@yahoo.com,married/defacto,0,"Other(Living Rent Free)",0,,0,week,0,week,52133,annual,24858,annual,0,0,1700,0,0,4.49,0,0,4.99,0,0,90000,56591,"I am a First Home Buyer","Property Chat",31991,31991,575838,575838,74,10,16,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,207 - $12,831","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-07-24,"2019-07-24 05:43:53"
1300,,NSW,adelinaandmatt@icloud.com,married/defacto,3,home,0,,1700,month,0,week,7000,month,21000,month,1200,30000,5000,1900000,0,3.60,800000,0,3.85,4300000,2,250000,125737,"I am looking to review my situation","Property Chat",53376,88570,1594272,960776,36,19,45,"Based on your financial information, we estimate that your risk position requires a buffer size of $41,740 - $122,525","Should interest rates rise by 1%, your total repayment will increase by $27,000 per year. If your interest rate rises by 2%, your repayment will increase by $54,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-07-23,"2019-07-23 12:49:27"
1299,Stuart,WA,sjroberts@iinet.net.au,married/defacto,1,renting,525,week,420,week,0,week,65000,annual,0,week,0,14000,2500,0,0,4.49,0,0,4.99,450000,1,150000,13667,"I am looking to review my situation","Property Chat",6467,6467,116412,116412,17,33,50,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,708 - $18,833","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-07-21,"2019-07-21 10:28:42"
1298,"Jason Chui",ACT,jason.w.chui@gmail.com,married/defacto,3,"Other(Living Rent Free)",0,,208000,annual,0,week,190000,annual,35000,annual,0,1150000,4000,0,0,4.49,3900000,3000000,4.19,3300000,9,500000,-245684,"I am an Advanced Investor (3+ properties)","Property Chat",-408918,-298096,0,0,-63,2,161,"Based on your financial information, we estimate that your risk position requires a buffer size of $191,198 - $362,985","Should interest rates rise by 1%, your total repayment will increase by $39,000 per year. If your interest rate rises by 2%, your repayment will increase by $78,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $55,021 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 11 Months",,"Your risk position could be improved",,0,0,2019-07-21,"2019-07-21 09:58:57"
1297,no,QLD,andydubz1@gmail.com,married/defacto,2,home,0,,500,week,100,annual,1420,week,600,week,113,20000,900,310000,0,3.37,460000,0,4.08,976000,2,10000,63503,"I am Looking to upgrade my home in future","Property Chat",12313,21541,387750,221650,50,8,41,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,943 - $53,797","Should interest rates rise by 1%, your total repayment will increase by $7,700 per year. If your interest rate rises by 2%, your repayment will increase by $15,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-07-19,"2019-07-19 07:14:05"
1296,"Connie kew",NSW,Conniekew9@gmail.com,single,1,home,0,,1400,week,0,week,120000,annual,0,,0,15000,22000,0,0,4.49,825000,825000,3.80,2500000,4,400000,-130323,"I am looking to review my situation",Media,-170530,-138160,0,0,-73,0,173,"Based on your financial information, we estimate that your risk position requires a buffer size of $26,974 - $74,398","Should interest rates rise by 1%, your total repayment will increase by $8,250 per year. If your interest rate rises by 2%, your repayment will increase by $16,500 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $15,130 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 2 Months",,"Your risk position is HEALTHY.",,0,0,2019-07-16,"2019-07-16 06:49:44"
1295,BLY,VIC,blyap@me.com,married/defacto,2,home,0,,1724,month,12852,annual,8173,month,0,annual,0,15000,5000,480000,0,3.60,1390000,1390000,5.00,4100000,3,300000,-16589,"None of the above",Other,-80759,-40511,0,0,-13,14,99,"Based on your financial information, we estimate that your risk position requires a buffer size of $31,111 - $88,721","Should interest rates rise by 1%, your total repayment will increase by $18,700 per year. If your interest rate rises by 2%, your repayment will increase by $37,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $25,493 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","4Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2019-07-13,"2019-07-13 10:49:46"
1294,"Sherwin Audh",NSW,sherwin.audh@gmail.com,married/defacto,0,"Other(Living Rent Free)",0,,360,week,20000,annual,3800,fortnight,120000,annual,0,25000,5500,0,0,4.49,1355000,1245000,4.44,1695000,4,110000,133876,"I am an Advanced Investor (3+ properties)","Property Chat",71003,110596,1990737,1278064,53,3,44,"Based on your financial information, we estimate that your risk position requires a buffer size of $44,362 - $122,312","Should interest rates rise by 1%, your total repayment will increase by $13,550 per year. If your interest rate rises by 2%, your repayment will increase by $27,100 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $22,833 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-07-13,"2019-07-13 00:26:32"
1293,FXD,VIC,fxdaemon@gmail.com,married/defacto,2,home,0,,6798,month,12852,annual,8173,month,0,annual,0,15000,5000,480000,0,3.60,1390000,1390000,5.00,4150000,3,300000,14098,"None of the above","Property Chat",-50071,-9823,0,0,8,10,82,"Based on your financial information, we estimate that your risk position requires a buffer size of $30,951 - $88,537","Should interest rates rise by 1%, your total repayment will increase by $18,700 per year. If your interest rate rises by 2%, your repayment will increase by $37,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $25,493 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","6Years / 10 Months",,"Your risk position is HEALTHY.",,0,0,2019-07-12,"2019-07-12 16:45:00"
1292,FXD,VIC,fxdaemon@gmail.com,married/defacto,2,home,0,,1724,month,12852,annual,8173,month,0,annual,0,15000,4000,480000,0,3.60,1390000,1390000,5.00,4150000,3,300000,-4589,"None of the above","Property Chat",-68759,-28511,0,0,-4,14,90,"Based on your financial information, we estimate that your risk position requires a buffer size of $30,951 - $88,537","Should interest rates rise by 1%, your total repayment will increase by $18,700 per year. If your interest rate rises by 2%, your repayment will increase by $37,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $25,493 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","4Years / 9 Months",,"Your risk position is HEALTHY.",,0,0,2019-07-12,"2019-07-12 16:34:08"
1291,"Mayumi Nagarkar",NSW,mayurabusiness@gmail.com,married/defacto,2,home,0,,100000,annual,0,week,6325,month,130000,annual,0,6000,3000,0,0,0.10,1800000,1800000,4.00,5000000,13,600000,176110,"I am an Advanced Investor (3+ properties)","Property Chat",79983,146110,2629980,1439706,62,0,38,"Based on your financial information, we estimate that your risk position requires a buffer size of $74,457 - $188,147","Should interest rates rise by 1%, your total repayment will increase by $18,000 per year. If your interest rate rises by 2%, your repayment will increase by $36,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $33,012 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-07-12,"2019-07-12 08:14:07"
1290,"Adrian Auld",NSW,adrianauld@gmail.com,married/defacto,2,home,0,,3000,annual,20000,annual,9300,month,6000,month,0,32000,4000,625000,0,3.16,695000,0,3.16,1400000,1,195000,89007,"I am looking to review my situation",Twitter,49107,71967,1295422,883926,43,10,47,"Based on your financial information, we estimate that your risk position requires a buffer size of $36,635 - $87,897","Should interest rates rise by 1%, your total repayment will increase by $13,200 per year. If your interest rate rises by 2%, your repayment will increase by $26,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-07-11,"2019-07-11 09:02:02"
1289,"Daniel Dillon",WA,daniel89@live.com.au,married/defacto,0,home,0,,0,week,0,week,2130,fortnight,2430,fortnight,964,44000,2000,363000,0,4.21,0,0,4.99,375000,1,2000,45825,"I am looking to review my situation",Other,19436,22493,404878,349855,39,13,48,"Based on your financial information, we estimate that your risk position requires a buffer size of $16,381 - $41,968","Should interest rates rise by 1%, your total repayment will increase by $3,630 per year. If your interest rate rises by 2%, your repayment will increase by $7,260 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-07-11,"2019-07-11 08:32:00"
1288,James,QLD,james@gmail.com,single,0,renting,1000,month,0,week,0,week,24000,annual,0,,0,0,1000,0,0,4.49,0,0,4.99,0,0,12000,0,"I am looking to review my situation","Property Chat",-9000,-9000,0,0,0,50,50,"Based on your financial information, we estimate that your risk position requires a buffer size of $1,000 - $4,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","6Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2019-07-11,"2019-07-11 00:48:32"
1287,Kieren,WA,Kieren.sweeting@gmail.com,married/defacto,0,renting,506,fortnight,680,week,0,week,98000,annual,85000,annual,2700,0,1500,0,0,0.10,605000,350000,4.30,730000,2,30000,117146,"I am looking to review my situation",Other,66106,79597,1432752,1189911,55,6,38,"Based on your financial information, we estimate that your risk position requires a buffer size of $24,366 - $68,978","Should interest rates rise by 1%, your total repayment will increase by $6,050 per year. If your interest rate rises by 2%, your repayment will increase by $12,100 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $6,419 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-07-10,"2019-07-10 13:16:28"
1286,Kieren,WA,Kieren.sweeting@gmail.com,married/defacto,0,renting,506,fortnight,680,week,0,week,98000,annual,85000,annual,2700,0,1500,0,0,0.10,605000,350000,4.30,730000,2,30000,117146,"I am looking to review my situation",Other,66106,79597,1432752,1189911,55,6,38,"Based on your financial information, we estimate that your risk position requires a buffer size of $24,366 - $68,978","Should interest rates rise by 1%, your total repayment will increase by $6,050 per year. If your interest rate rises by 2%, your repayment will increase by $12,100 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $6,419 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-07-10,"2019-07-10 13:15:24"
1285,"Vince Scordino",NSW,vince.scordino@gmail.com,married/defacto,2,home,0,,2882,month,0,week,8410,month,4144,month,0,6000,5000,560000,560000,4.15,540000,540000,4.44,1940000,3,0,67693,"I am Looking to upgrade my home in future","Property Chat",19498,55889,1006008,350978,38,13,49,"Based on your financial information, we estimate that your risk position requires a buffer size of $30,316 - $83,626","Should interest rates rise by 1%, your total repayment will increase by $11,000 per year. If your interest rate rises by 2%, your repayment will increase by $22,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $20,174 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-07-09,"2019-07-09 13:57:35"
1284,"Shauna Mundy",NSW,seeshaunarun@hotmail.com,married/defacto,3,home,0,,0,week,25000,annual,90000,month,2150,fortnight,0,4000,3200,823000,0,3.52,0,0,4.99,1400000,2,65000,1076602,"I am Looking to upgrade my home in future","Property Chat",1044088,1055887,19005975,18793588,93,2,5,"Based on your financial information, we estimate that your risk position requires a buffer size of $60,831 - $220,128","Should interest rates rise by 1%, your total repayment will increase by $8,230 per year. If your interest rate rises by 2%, your repayment will increase by $16,460 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-07-08,"2019-07-08 21:35:19"
1283,Mickey,QLD,mickey@disney.com,single,0,home,0,,3800,month,0,week,2288,fortnight,0,,500,8000,2500,158250,0,3.79,0,0,4.99,200000,1,20000,34753,"I am looking to review my situation","Property Chat",30635,32543,585778,551445,36,6,58,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,039 - $22,110","Should interest rates rise by 1%, your total repayment will increase by $1,582 per year. If your interest rate rises by 2%, your repayment will increase by $3,165 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-07-08,"2019-07-08 19:57:11"
1282,"Anne Pukallus",QLD,anne_puk@hotmail.com,married/defacto,3,"Other(Living Rent Free)",0,,16000,annual,9000,annual,31000,annual,5500,month,0,5000,3700,0,0,4.49,190000,0,5.72,275000,1,100000,57765,"I am looking to review my situation","Property Chat",47673,46649,839699,858129,49,7,45,"Based on your financial information, we estimate that your risk position requires a buffer size of $9,618 - $27,936","Should interest rates rise by 1%, your total repayment will increase by $1,900 per year. If your interest rate rises by 2%, your repayment will increase by $3,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-07-08,"2019-07-08 03:51:09"
1281,"Daniel Hogan",NSW,daniel.hogan66@gmail.com,married/defacto,0,renting,810,week,80,month,0,week,6550,month,2985,fortnight,0,0,6600,0,0,4.49,0,0,4.99,0,0,39000,35374,"I am a First Home Buyer",Other,35373,35373,636729,636729,23,27,51,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,508 - $26,035","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-07-08,"2019-07-08 00:30:43"
1280,crackers,SA,crackers4471@gmail.com,married/defacto,2,home,0,,4500,month,0,week,1350,week,2750,fortnight,0,30000,5000,100000,0,3.82,850000,0,4.70,1470000,4,100000,53762,"I am an Advanced Investor (3+ properties)","Property Chat",34500,39135,704443,621007,29,2,69,"Based on your financial information, we estimate that your risk position requires a buffer size of $29,122 - $73,705","Should interest rates rise by 1%, your total repayment will increase by $9,500 per year. If your interest rate rises by 2%, your repayment will increase by $19,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-07-06,"2019-07-06 14:10:33"
1279,"Matthew Conn",NSW,adelinaandmatt@icloud.com,married/defacto,3,home,0,,1700,month,0,week,7000,month,20000,month,900,30000,6000,1900000,0,3.47,800000,250000,3.99,4400000,2,270000,110554,"I am looking to review my situation","Property Chat",31757,74692,1344468,571636,32,19,48,"Based on your financial information, we estimate that your risk position requires a buffer size of $41,784 - $123,275","Should interest rates rise by 1%, your total repayment will increase by $27,000 per year. If your interest rate rises by 2%, your repayment will increase by $54,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $4,585 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-07-05,"2019-07-05 14:30:06"
1278,David,QLD,Prt3344@hotmail.com,married/defacto,2,home,0,,380,week,0,week,10700,month,220,week,0,5000,3000,580000,0,3.69,480000,0,3.69,1450000,2,80000,61515,"None of the above",Other,27218,40895,736127,489927,40,14,47,"Based on your financial information, we estimate that your risk position requires a buffer size of $23,284 - $62,855","Should interest rates rise by 1%, your total repayment will increase by $10,600 per year. If your interest rate rises by 2%, your repayment will increase by $21,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-07-05,"2019-07-05 10:54:50"
1277,Nich,QLD,nich182@gmail.com,married/defacto,2,home,0,,1700,week,0,week,1700,week,1100,week,0,25000,4000,570000,0,3.89,1730000,1000000,4.35,3670000,5,600000,42627,"None of the above",Other,-31198,12794,230292,0,20,10,70,"Based on your financial information, we estimate that your risk position requires a buffer size of $47,424 - $121,011","Should interest rates rise by 1%, your total repayment will increase by $23,000 per year. If your interest rate rises by 2%, your repayment will increase by $46,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $18,340 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","15Years / 7 Months",,"Your risk position is HEALTHY.",,0,0,2019-07-03,"2019-07-03 09:56:43"
1276,"Aaron Day",VIC,aaronday90@me.com,married/defacto,0,home,0,,1630,week,691,fortnight,2331,fortnight,1610,fortnight,0,0,3300,380000,0,3.53,1210000,0,3.80,2290000,6,150000,55488,"I am an Advanced Investor (3+ properties)","Property Chat",11138,31035,558633,200489,29,7,63,"Based on your financial information, we estimate that your risk position requires a buffer size of $41,544 - $96,716","Should interest rates rise by 1%, your total repayment will increase by $15,900 per year. If your interest rate rises by 2%, your repayment will increase by $31,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","13Years / 1 Months",,"Your risk position is HEALTHY.",,0,0,2019-07-03,"2019-07-03 04:26:50"
1275,Bilal,NSW,bilal.hassan00@gmail.com,married/defacto,1,"Other(Living Rent Free)",0,,310,week,0,week,6433,month,0,week,0,0,2500,0,0,4.49,226000,0,4.20,370000,1,50000,45821,"I am a First Home Buyer","Property Chat",25582,27505,495102,460489,51,9,40,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,808 - $25,027","Should interest rates rise by 1%, your total repayment will increase by $2,260 per year. If your interest rate rises by 2%, your repayment will increase by $4,520 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-07-02,"2019-07-02 10:54:41"
1274,ML,ACT,mobrien_80@hotmail.com,married/defacto,2,renting,620,week,1590,fortnight,0,fortnight,2500,fortnight,2200,fortnight,0,5000,4000,0,0,4.49,520000,0,4.40,720000,2,77000,38406,"I am a New Investor (1-3 properties)",Other,27085,30594,550692,487540,25,21,55,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,660 - $47,591","Should interest rates rise by 1%, your total repayment will increase by $5,200 per year. If your interest rate rises by 2%, your repayment will increase by $10,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-07-02,"2019-07-02 02:56:13"
1273,JJ,WA,Jay_current@yahoo.co.in,married/defacto,3,home,0,,1150,fortnight,0,week,7644,month,2000,annual,0,50000,2200,143863,0,3.62,921000,921000,4.30,1155000,3,145000,32261,"I am looking to review my situation","Property Chat",-22729,9593,172678,0,27,4,68,"Based on your financial information, we estimate that your risk position requires a buffer size of $38,891 - $90,468","Should interest rates rise by 1%, your total repayment will increase by $10,648 per year. If your interest rate rises by 2%, your repayment will increase by $21,297 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $16,891 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","4Years / 9 Months",,"Your risk position is HEALTHY.",,0,0,2019-07-01,"2019-07-01 01:54:31"
1272,Mark,QLD,tothemark@hotmail.com,single,0,renting,500,month,90000,annual,0,annual,0,annual,0,,0,5000,1600,0,0,4.49,780000,196000,4.58,2300000,4,170000,-13472,"I am looking to review my situation","Property Chat",-37060,-28277,0,0,-19,11,108,"Based on your financial information, we estimate that your risk position requires a buffer size of $27,082 - $61,270","Should interest rates rise by 1%, your total repayment will increase by $7,800 per year. If your interest rate rises by 2%, your repayment will increase by $15,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $3,594 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 11 Months",,"Your risk position is HEALTHY.",,0,0,2019-06-29,"2019-06-29 11:11:36"
1271,"Jim M",TAS,mcdonaldjim97@gmail.com,single,0,renting,80,week,0,week,0,week,1700,fortnight,0,,0,0,1000,0,0,4.49,0,0,4.99,0,0,36000,28040,"I am a First Home Buyer","Property Chat",15400,15400,277200,277200,63,18,19,"Based on your financial information, we estimate that your risk position requires a buffer size of $1,841 - $7,366","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-06-27,"2019-06-27 23:33:25"
1270,ES,NSW,emma.sarian@gmail.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,93000,annual,0,,800,4000,1000,0,0,4.49,0,0,4.99,0,0,210000,69960,"I am a First Home Buyer","Property Chat",53160,53160,956880,956880,75,8,16,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,875 - $15,500","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-06-26,"2019-06-26 23:51:10"
1269,"Ben Fu",VIC,benfu86@gmail.com,single,0,renting,600,month,790,week,10000,annual,61000,annual,0,,0,0,1500,0,0,4.49,801186,801186,5.60,0,2,50000,34978,"I am a New Investor (1-3 properties)",Other,6751,20161,362898,121531,34,8,59,"Based on your financial information, we estimate that your risk position requires a buffer size of $22,225 - $53,209","Should interest rates rise by 1%, your total repayment will increase by $8,011 per year. If your interest rate rises by 2%, your repayment will increase by $16,023 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $14,694 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","34Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2019-06-26,"2019-06-26 12:09:13"
1268,Nick,VIC,Nickedoff@gmail.com,married/defacto,1,home,0,,120000,annual,0,week,3100,fortnight,900,fortnight,0,6000,1500,625000,625000,4.25,1986000,1200000,4.25,3000000,3,50000,53425,"I am a New Investor (1-3 properties)","Property Chat",-69250,-1565,0,0,27,13,60,"Based on your financial information, we estimate that your risk position requires a buffer size of $62,715 - $151,280","Should interest rates rise by 1%, your total repayment will increase by $26,110 per year. If your interest rate rises by 2%, your repayment will increase by $52,220 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $33,471 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 11 Months",,"Your risk position could be improved",,0,0,2019-06-24,"2019-06-24 14:20:16"
1267,Nick,VIC,Nickedoff@gmail.com,married/defacto,1,home,0,,120000,annual,0,week,3100,fortnight,900,fortnight,0,6000,1500,625000,625000,4.25,1986000,1200000,4.25,3000000,3,50000,53425,"I am a New Investor (1-3 properties)","Property Chat",-69250,-1565,0,0,27,13,60,"Based on your financial information, we estimate that your risk position requires a buffer size of $62,715 - $151,280","Should interest rates rise by 1%, your total repayment will increase by $26,110 per year. If your interest rate rises by 2%, your repayment will increase by $52,220 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $33,471 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 11 Months",,"Your risk position could be improved",,0,0,2019-06-24,"2019-06-24 14:19:34"
1266,David,NSW,aaron.cd@gmail.com,married/defacto,1,renting,760,week,1000,week,0,week,3000,month,2400,month,0,2000,4000,0,0,4.49,950000,0,4.99,1100000,2,30000,-42543,"I am a New Investor (1-3 properties)",Other,-59182,-57824,0,0,-40,37,103,"Based on your financial information, we estimate that your risk position requires a buffer size of $23,978 - $56,903","Should interest rates rise by 1%, your total repayment will increase by $9,500 per year. If your interest rate rises by 2%, your repayment will increase by $19,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 4 Months",,"You risk levels are high.",,0,0,2019-06-24,"2019-06-24 13:11:07"
1265,Amit,NSW,amitbamane04@gmail.com,married/defacto,1,home,0,,0,week,0,week,9000,month,6500,month,0,6000,3000,780000,0,3.70,0,0,4.00,1000000,1,50000,104758,"I am looking to review my situation",Other,71988,81986,1475764,1295789,56,16,28,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,307 - $59,057","Should interest rates rise by 1%, your total repayment will increase by $7,800 per year. If your interest rate rises by 2%, your repayment will increase by $15,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-06-23,"2019-06-23 11:10:34"
1264,"Mohamed Krisaty",NSW,m_krisaty@hotmail.com,married/defacto,1,home,0,,1950,month,0,week,1220,week,2150,fortnight,250,12150,1350,484000,0,3.87,675000,675000,4.09,1525000,2,0,63896,"I am a New Investor (1-3 properties)","Smart Property Investment",-5169,24370,438669,0,46,14,40,"Based on your financial information, we estimate that your risk position requires a buffer size of $26,932 - $73,321","Should interest rates rise by 1%, your total repayment will increase by $11,590 per year. If your interest rate rises by 2%, your repayment will increase by $23,180 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $12,379 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-06-22,"2019-06-22 04:00:02"
1263,"Alen Goro",NSW,alen.goro@outlook.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,1024,week,0,,0,0,450,0,0,4.49,0,0,4.99,0,0,65000,47848,"I am looking to review my situation","Property Chat",24447,24447,440063,440063,90,15,-5,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,218 - $8,874","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-06-21,"2019-06-21 03:50:44"
1262,Ravi,VIC,ranaravindra82@yahoo.com,married/defacto,1,home,0,,1048,week,0,week,2500,week,500,week,0,0,2500,335000,0,3.79,1262000,1262000,4.89,2210000,4,300000,94058,"I am an Advanced Investor (3+ properties)",Other,25592,61952,1115149,460672,47,6,47,"Based on your financial information, we estimate that your risk position requires a buffer size of $42,326 - $109,879","Should interest rates rise by 1%, your total repayment will increase by $15,970 per year. If your interest rate rises by 2%, your repayment will increase by $31,940 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $23,145 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-06-19,"2019-06-19 23:26:37"
1261,"Paul Manwarring",NSW,pleasemama@yahoo.com.au,married/defacto,1,"Other(Living Rent Free)",0,,2000,month,890,fortnight,2400,fortnight,320,week,0,17000,4000,0,0,0.10,337900,100,4.99,2100000,2,25000,44041,"I am Looking to upgrade my home in future","Property Chat",30320,30806,554508,545771,36,6,57,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,298 - $32,680","Should interest rates rise by 1%, your total repayment will increase by $3,379 per year. If your interest rate rises by 2%, your repayment will increase by $6,758 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $2 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-06-19,"2019-06-19 22:03:46"
1260,Nihel,VIC,nigel.c.wicks@gmail.com,married/defacto,1,home,0,,635,week,0,week,7100,month,3000,month,200,15000,2000,648000,0,3.80,460000,0,4.50,1550000,3,114000,49499,"I am a New Investor (1-3 properties)",Twitter,4998,15448,278077,89980,34,17,50,"Based on your financial information, we estimate that your risk position requires a buffer size of $26,656 - $67,534","Should interest rates rise by 1%, your total repayment will increase by $11,080 per year. If your interest rate rises by 2%, your repayment will increase by $22,160 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-06-18,"2019-06-18 10:41:30"
1259,"Paul Petherbridge",NSW,paulpetherbridge@hotmail.com,married/defacto,0,home,0,,400,week,0,annual,85000,annual,25000,annual,0,6000,400,0,0,0.10,170000,0,4.50,1000000,2,0,106017,"I am a New Investor (1-3 properties)",Media,65237,66233,1192198,1174271,84,0,16,"Based on your financial information, we estimate that your risk position requires a buffer size of $12,610 - $36,125","Should interest rates rise by 1%, your total repayment will increase by $1,700 per year. If your interest rate rises by 2%, your repayment will increase by $3,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-06-17,"2019-06-17 23:20:48"
1258,"Simon Chung",VIC,simon.chung@live.com,single,0,renting,1100,month,1100,month,0,week,1153,week,0,,670,12000,1000,0,0,4.49,690000,2,4.65,900000,1,220000,-2157,"I am looking to review my situation","Property Chat",-24946,-21831,0,0,-3,19,84,"Based on your financial information, we estimate that your risk position requires a buffer size of $13,039 - $35,077","Should interest rates rise by 1%, your total repayment will increase by $6,900 per year. If your interest rate rises by 2%, your repayment will increase by $13,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","9Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2019-06-17,"2019-06-17 10:04:52"
1257,"Adam Twyford",NSW,rockdoggt@gmail.com,married/defacto,2,home,0,,0,week,0,week,75000,annual,70000,annual,0,6000,4000,0,0,4.49,0,0,4.99,500000,1,15000,94840,"I am a New Investor (1-3 properties)",Other,94839,94839,1707119,1707119,65,0,35,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,041 - $32,166","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-06-15,"2019-06-15 10:40:20"
1256,"Cholachat Rujikiatkamjorn",NSW,cholacha@uow.edu.au,married/defacto,3,home,0,,1000,month,0,week,3500,fortnight,0,week,3500,15000,1000,0,0,4.49,1000000,0,4.99,2000000,2,400000,-10047,"I am looking to review my situation","Property Chat",-52763,-51333,0,0,-10,0,110,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,104 - $47,595","Should interest rates rise by 1%, your total repayment will increase by $10,000 per year. If your interest rate rises by 2%, your repayment will increase by $20,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","9Years / 10 Months",,"Your risk position is HEALTHY.",,0,0,2019-06-14,"2019-06-14 09:00:20"
1255,"Justin Hazelton",NSW,justin@justinhazelton.com.au,married/defacto,0,renting,700,week,640,week,0,week,2556,fortnight,3500,fortnight,0,2000,4500,0,0,4.70,650000,0,4.70,780000,1,150000,53478,"I am a New Investor (1-3 properties)",Other,40721,43364,780559,732993,29,20,51,"Based on your financial information, we estimate that your risk position requires a buffer size of $18,414 - $53,432","Should interest rates rise by 1%, your total repayment will increase by $6,500 per year. If your interest rate rises by 2%, your repayment will increase by $13,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-06-14,"2019-06-14 02:24:27"
1254,"S Gad",ACT,gsacheen@gmail.com,married/defacto,2,home,0,,2500,month,0,week,4600,fortnight,2500,fortnight,0,30000,3000,280000,0,3.90,1100000,0,4.39,1800000,3,15000,89364,"I am an Advanced Investor (3+ properties)","Property Chat",46266,56896,1024142,832798,43,5,52,"Based on your financial information, we estimate that your risk position requires a buffer size of $32,773 - $88,937","Should interest rates rise by 1%, your total repayment will increase by $13,800 per year. If your interest rate rises by 2%, your repayment will increase by $27,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-06-14,"2019-06-14 00:30:18"
1253,George,NSW,Georgekennedy1981@gmail.com,married/defacto,1,home,0,,720,week,0,fortnight,91803,annual,4700,month,0,10000,3000,1400000,0,4.49,0,0,4.99,1700000,1,700000,42449,"I am looking to review my situation","Property Chat",6867,15193,273484,123608,24,35,41,"Based on your financial information, we estimate that your risk position requires a buffer size of $26,233 - $73,052","Should interest rates rise by 1%, your total repayment will increase by $14,000 per year. If your interest rate rises by 2%, your repayment will increase by $28,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","186Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2019-06-13,"2019-06-13 04:10:44"
1252,Celina,NSW,Celinazz973@gmail.com,single,0,"Other(Living Rent Free)",0,,1840,week,0,week,3291,fortnight,0,,0,5000,3200,0,0,4.49,985000,0,4.09,2330000,4,2000,52943,"I am an Advanced Investor (3+ properties)",Other,21555,30882,555877,388003,33,5,63,"Based on your financial information, we estimate that your risk position requires a buffer size of $24,055 - $61,977","Should interest rates rise by 1%, your total repayment will increase by $9,850 per year. If your interest rate rises by 2%, your repayment will increase by $19,700 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-06-13,"2019-06-13 00:49:59"
1251,"justin james",NSW,justin@telstra.com.au,married/defacto,2,home,0,,20000,annual,0,week,222222,annual,150000,annual,100,20000,3500,500000,0,4.49,1000000,0,4.99,2500000,3,200000,253841,"I am an Advanced Investor (3+ properties)",Other,219760,224163,4034944,3955684,65,6,29,"Based on your financial information, we estimate that your risk position requires a buffer size of $37,822 - $113,359","Should interest rates rise by 1%, your total repayment will increase by $15,000 per year. If your interest rate rises by 2%, your repayment will increase by $30,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-06-12,"2019-06-12 02:51:33"
1250,"wayne clayton",QLD,wamouse@outlook.com,married/defacto,2,home,0,,807,week,0,week,25000,annual,2180,fortnight,0,12500,2600,0,0,4.49,1269890,1269890,4.40,2950000,6,70000,32398,"I am an Advanced Investor (3+ properties)","Property Chat",-27872,12429,223732,0,28,0,72,"Based on your financial information, we estimate that your risk position requires a buffer size of $38,591 - $98,366","Should interest rates rise by 1%, your total repayment will increase by $12,698 per year. If your interest rate rises by 2%, your repayment will increase by $25,397 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $23,290 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2019-06-11,"2019-06-11 07:20:46"
1249,"wayne clayton",QLD,wamouse@outlook.com,married/defacto,2,home,0,,807,week,0,week,25000,annual,2160,fortnight,0,12500,5000,0,0,4.49,1269890,1269890,4.40,2950000,6,70000,3078,"I am an Advanced Investor (3+ properties)","Property Chat",-51192,-10890,0,0,3,0,97,"Based on your financial information, we estimate that your risk position requires a buffer size of $38,569 - $98,279","Should interest rates rise by 1%, your total repayment will increase by $12,698 per year. If your interest rate rises by 2%, your repayment will increase by $25,397 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $23,290 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 1 Months",,"Your risk position is HEALTHY.",,0,0,2019-06-11,"2019-06-11 06:58:20"
1248,blergman,NSW,b395995@urhen.com,single,0,home,0,,0,week,0,week,4400,fortnight,0,,0,10000,2000,490000,0,3.89,0,0,4.99,620000,1,60000,59100,"None of the above",Other,46688,52174,939140,840384,52,17,32,"Based on your financial information, we estimate that your risk position requires a buffer size of $13,592 - $40,027","Should interest rates rise by 1%, your total repayment will increase by $4,900 per year. If your interest rate rises by 2%, your repayment will increase by $9,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-06-11,"2019-06-11 05:24:21"
1247,"john hones",NSW,john.jones@hotmail.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,75000,annual,0,,0,10000,1000,0,0,4.49,0,0,4.99,0,0,5000,59400,"I am a First Home Buyer",Twitter,42600,42600,766800,766800,79,10,10,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,125 - $12,500","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-06-06,"2019-06-06 07:18:29"
1246,Sam,,Sam.mones@gmail.com,married/defacto,2,home,0,,770,week,0,week,11800,fortnight,300,month,0,8000,1800,0,0,4.00,667000,0,4.00,1400000,3,50000,278993,"None of the above","Property Chat",236204,243040,4374725,4251677,81,0,19,"Based on your financial information, we estimate that your risk position requires a buffer size of $28,231 - $86,411","Should interest rates rise by 1%, your total repayment will increase by $6,670 per year. If your interest rate rises by 2%, your repayment will increase by $13,340 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-06-04,"2019-06-04 13:12:25"
1245,Bob,VIC,Bob@bob.com,married/defacto,4,home,0,,130000,annual,0,week,5000,fortnight,4000,fortnight,0,0,6000,300000,0,4.40,3150000,0,4.50,4000000,5,300000,70413,"I am an Advanced Investor (3+ properties)",Other,-2453,18024,324440,0,21,4,75,"Based on your financial information, we estimate that your risk position requires a buffer size of $77,726 - $188,044","Should interest rates rise by 1%, your total repayment will increase by $34,500 per year. If your interest rate rises by 2%, your repayment will increase by $69,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","5Years / 3 Months",,"Your risk position is HEALTHY.",,0,0,2019-06-04,"2019-06-04 10:15:11"
1244,"Derrick smith",NSW,Derrick_j_smith@hotmail.com,single,0,home,0,,580,fortnight,0,week,1500,week,0,,0,6000,2400,435000,0,4.00,329000,0,4.30,950000,2,40000,15660,"I am a New Investor (1-3 properties)","Smart Property Investment",-2423,4544,81808,0,17,19,63,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,091 - $49,966","Should interest rates rise by 1%, your total repayment will increase by $7,640 per year. If your interest rate rises by 2%, your repayment will increase by $15,280 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 4 Months",,"Your risk position is HEALTHY.",,0,0,2019-06-04,"2019-06-04 09:54:25"
1243,Cam,VIC,robotlust@gmail.com,married/defacto,1,home,0,,4000,month,0,week,250000,annual,100000,annual,2600,6000,6800,700000,700000,4.49,0,0,4.99,1100000,1,60000,227802,"I am looking to review my situation",Other,198516,219944,3959000,3573292,59,8,33,"Based on your financial information, we estimate that your risk position requires a buffer size of $27,003 - $89,166","Should interest rates rise by 1%, your total repayment will increase by $7,000 per year. If your interest rate rises by 2%, your repayment will increase by $14,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $12,838 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-06-04,"2019-06-04 08:46:56"
1242,"stephanie garner",WA,stephbling@yahoo.co.uk,married/defacto,0,renting,450,week,1380,week,0,week,74000,annual,54000,annual,611,0,3500,0,0,4.44,1181500,773500,4.44,1480000,4,20000,52131,"I am looking to review my situation","Property Chat",10616,37386,672955,191101,28,13,59,"Based on your financial information, we estimate that your risk position requires a buffer size of $36,663 - $95,898","Should interest rates rise by 1%, your total repayment will increase by $11,815 per year. If your interest rate rises by 2%, your repayment will increase by $23,630 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $14,186 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 9 Months",,"Your risk position is HEALTHY.",,0,0,2019-06-04,"2019-06-04 04:50:58"
1241,Michael,QLD,propertyinvestor@outlook.com,married/defacto,0,home,0,,220,week,65920,annual,5825,fortnight,2741,fortnight,0,10000,5800,937000,0,3.91,0,0,4.99,1650000,2,410000,168103,"I am a New Investor (1-3 properties)",Other,144497,154828,2786908,2600961,56,12,31,"Based on your financial information, we estimate that your risk position requires a buffer size of $23,251 - $69,649","Should interest rates rise by 1%, your total repayment will increase by $9,370 per year. If your interest rate rises by 2%, your repayment will increase by $18,740 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-06-04,"2019-06-04 00:58:28"
1240,John,NSW,guard01-subs@yahoo.com,single,0,home,0,,4700,month,12000,annual,10000,month,0,,1675,6000,1500,350000,0,3.90,968000,770000,4.09,1690000,3,120000,73513,"I am a New Investor (1-3 properties)","Property Chat",18635,51820,932763,335439,42,8,51,"Based on your financial information, we estimate that your risk position requires a buffer size of $33,296 - $88,471","Should interest rates rise by 1%, your total repayment will increase by $13,180 per year. If your interest rate rises by 2%, your repayment will increase by $26,360 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $14,122 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-06-02,"2019-06-02 04:32:58"
1239,pko,ACT,palluu@gmail.com,single,0,home,0,,1000,month,10,fortnight,5000,fortnight,0,,6000,10000,1000,500090,0,4.49,809999,0,4.99,1200000,3,140000,-20296,"None of the above","Smart Property Investment",-57050,-52918,0,0,-15,16,98,"Based on your financial information, we estimate that your risk position requires a buffer size of $54,403 - $108,525","Should interest rates rise by 1%, your total repayment will increase by $13,100 per year. If your interest rate rises by 2%, your repayment will increase by $26,201 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","1Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2019-05-30,"2019-05-30 14:18:13"
1238,nm,NSW,hk@hjk.com,married/defacto,0,home,0,,350,week,0,week,1600,week,1000,week,0,0,1700,748000,0,3.90,0,0,4.99,950000,1,70000,81636,"I am looking to review my situation","Property Chat",41140,49451,890129,740531,55,19,26,"Based on your financial information, we estimate that your risk position requires a buffer size of $16,966 - $50,160","Should interest rates rise by 1%, your total repayment will increase by $7,480 per year. If your interest rate rises by 2%, your repayment will increase by $14,960 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-05-30,"2019-05-30 13:28:31"
1237,"DIWAKAR DATT",NSW,DIWAKARDATT@GMAIL.COM,married/defacto,2,home,0,,5330,month,0,week,70000,annual,883,week,0,0,3000,465000,0,3.79,1365000,0,4.00,2895000,5,60000,30710,"I am an Advanced Investor (3+ properties)",Media,-20926,-1332,0,0,18,11,71,"Based on your financial information, we estimate that your risk position requires a buffer size of $38,329 - $93,701","Should interest rates rise by 1%, your total repayment will increase by $18,300 per year. If your interest rate rises by 2%, your repayment will increase by $36,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 9 Months",,"Your risk position is HEALTHY.",,0,0,2019-05-30,"2019-05-30 11:52:02"
1236,"DIWAKAR DATT",NSW,DIWAKARDATT@GMAIL.COM,married/defacto,2,home,0,,5330,month,0,week,70000,annual,883,week,0,6000,2000,460000,0,3.79,1365000,0,4.00,2865000,5,50000,40829,"I am an Advanced Investor (3+ properties)",Media,-22677,-3143,0,0,24,10,65,"Based on your financial information, we estimate that your risk position requires a buffer size of $38,431 - $93,766","Should interest rates rise by 1%, your total repayment will increase by $18,250 per year. If your interest rate rises by 2%, your repayment will increase by $36,500 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 2 Months",,"Your risk position is HEALTHY.",,0,0,2019-05-30,"2019-05-30 11:32:28"
1235,"Sherwin Audh",NSW,sherwin.audh@gmail.com,married/defacto,0,"Other(Living Rent Free)",0,,360,week,0,week,3800,fortnight,3000,fortnight,0,25000,2000,0,0,4.49,1352000,1242000,4.99,1684000,4,120000,106692,"I am an Advanced Investor (3+ properties)",Other,27213,57628,1037312,489848,56,4,40,"Based on your financial information, we estimate that your risk position requires a buffer size of $42,820 - $115,522","Should interest rates rise by 1%, your total repayment will increase by $13,520 per year. If your interest rate rises by 2%, your repayment will increase by $27,040 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $22,778 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-05-30,"2019-05-30 10:43:51"
1234,"Aaron Hore",VIC,aaron@hore.me,single,0,"Other(Living Rent Free)",0,,0,month,0,month,7140,month,0,,0,5000,500,0,0,4.00,0,0,4.50,110000,1,10000,77880,"I am looking to review my situation","Property Chat",55080,55080,991440,991440,91,9,0,"Based on your financial information, we estimate that your risk position requires a buffer size of $7,570 - $22,280","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-05-30,"2019-05-30 00:14:27"
1233,bjkyvbogc,NSW,gcjy@gmaiol.com,married/defacto,0,renting,540,week,0,week,0,week,1500,week,1500,week,400,0,500,850000,0,4.49,0,0,4.99,0,0,150000,65499,"I am a First Home Buyer",Media,11538,16593,298680,207684,42,42,16,"Based on your financial information, we estimate that your risk position requires a buffer size of $NaN - $NaN","Should interest rates rise by 1%, your total repayment will increase by $8,500 per year. If your interest rate rises by 2%, your repayment will increase by $17,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2019-05-29,"2019-05-29 13:03:55"
1232,"BB Sins",NSW,bbsins@gmail.com,married/defacto,1,renting,490,week,0,week,0,week,103800,annual,40000,annual,0,15000,1500,0,0,4.49,0,0,4.99,0,0,20000,94920,"I am a New Investor (1-3 properties)","Property Chat",70920,70920,1276560,1276560,66,18,16,"Based on your financial information, we estimate that your risk position requires a buffer size of $5,991 - $23,966","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-05-29,"2019-05-29 10:44:23"
1231,Raj,NSW,raj@yahoo.com,married/defacto,0,renting,400,week,0,week,0,week,103980,annual,0,week,0,10000,1500,0,0,4.49,0,0,4.99,0,0,250000,61580,"I am a First Home Buyer","Property Chat",37580,37580,676440,676440,59,20,21,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,332 - $17,330","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-05-27,"2019-05-27 04:35:48"
1230,An,QLD,nbhoangan@gmail.com,married/defacto,1,home,0,,550,week,0,week,2123,fortnight,2018,fortnight,0,0,4500,0,0,3.79,638000,0,3.93,900000,2,75000,42460,"I am a New Investor (1-3 properties)","Property Chat",26475,33399,601196,476562,33,0,67,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,958 - $47,109","Should interest rates rise by 1%, your total repayment will increase by $6,380 per year. If your interest rate rises by 2%, your repayment will increase by $12,760 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-05-27,"2019-05-27 03:32:31"
1229,An,QLD,nbhoangan@gmail.com,married/defacto,1,home,0,,550,week,0,week,2123,fortnight,2018,fortnight,0,0,4500,0,0,3.79,638000,0,3.93,900000,2,75000,42460,"I am a New Investor (1-3 properties)","Property Chat",26475,33399,601196,476562,33,0,67,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,958 - $47,109","Should interest rates rise by 1%, your total repayment will increase by $6,380 per year. If your interest rate rises by 2%, your repayment will increase by $12,760 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-05-27,"2019-05-27 03:30:54"
1228,X,VIC,Alanistrust@gmail.com,married/defacto,2,home,0,,3000,month,0,week,4300,fortnight,541,week,3500,3000,4100,428000,0,3.90,229000,0,4.40,800000,2,50000,31623,"I am a New Investor (1-3 properties)","Property Chat",15826,22126,398279,284869,19,10,71,"Based on your financial information, we estimate that your risk position requires a buffer size of $21,272 - $58,152","Should interest rates rise by 1%, your total repayment will increase by $6,570 per year. If your interest rate rises by 2%, your repayment will increase by $13,140 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","9Years / 11 Months",,"Your risk position is HEALTHY.",,0,0,2019-05-27,"2019-05-27 02:58:58"
1227,"An Nguyen",QLD,nbhoangan@yahoo.com,married/defacto,1,home,0,,550,week,0,week,2747,fortnight,2800,fortnight,0,0,4300,0,0,3.85,638000,0,3.85,900000,2,55000,81767,"I am a New Investor (1-3 properties)","Property Chat",65431,72794,1310294,1177770,49,0,51,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,481 - $53,202","Should interest rates rise by 1%, your total repayment will increase by $6,380 per year. If your interest rate rises by 2%, your repayment will increase by $12,760 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-05-27,"2019-05-27 02:29:32"
1226,a,NSW,szz1958@hotmail.com,married/defacto,1,home,0,,1200,week,0,week,100000,annual,10000,annual,0,0,3200,435000,435000,4.49,0,0,4.99,930000,1,435000,83518,"I am looking to review my situation",Other,61719,75035,1350634,1110943,52,12,36,"Based on your financial information, we estimate that your risk position requires a buffer size of $12,669 - $39,212","Should interest rates rise by 1%, your total repayment will increase by $4,350 per year. If your interest rate rises by 2%, your repayment will increase by $8,700 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $7,978 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-05-25,"2019-05-25 16:41:10"
1225,kjj,NSW,hjb@gmail.com,single,5,renting,10000,month,50000,month,000,month,50000,month,0,,5555,555,444,505,505,10.00,0,0,4.99,0,1,1,710162,"I am looking to review my situation","Smart Property Investment",686696,686677,12360187,12360535,66,11,23,"Based on your financial information, we estimate that your risk position requires a buffer size of $NaN - $NaN","Should interest rates rise by 1%, your total repayment will increase by $5 per year. If your interest rate rises by 2%, your repayment will increase by $10 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $9 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2019-05-23,"2019-05-23 13:09:17"
1224,sdassx,NSW,johnb@yahoo.com,single,3,home,0,,1000,month,0,week,50000,annual,0,,50,5000,1000,500000,0,4.49,800000,0,4.99,2000000,2,100000,-26874,"I am looking to review my situation",Other,-60451,-56334,0,0,-45,38,107,"Based on your financial information, we estimate that your risk position requires a buffer size of $20,037 - $49,173","Should interest rates rise by 1%, your total repayment will increase by $13,000 per year. If your interest rate rises by 2%, your repayment will increase by $26,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 7 Months",,"Your risk position is HEALTHY.",,0,0,2019-05-23,"2019-05-23 13:08:48"
1223,"Basudeb Saha",WA,xionbob@gmail.com,married/defacto,1,home,0,,0,week,0,week,12000,week,0,week,1000,20000,6000,0,0,4.49,0,0,4.99,0,1,1,532800,"I am looking to review my situation","Property Chat",532800,532800,9590400,9590400,85,0,15,"Based on your financial information, we estimate that your risk position requires a buffer size of $30,000 - $112,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-05-23,"2019-05-23 12:03:45"
1222,Oli,VIC,rollie.wa@gmail.com,single,0,renting,300,week,1320,week,500,annual,161000,annual,0,,0,5000,2500,0,0,4.49,1175000,0,4.20,1500000,3,100000,99307,"I am looking to review my situation","Property Chat",72071,82069,1477242,1297286,46,7,47,"Based on your financial information, we estimate that your risk position requires a buffer size of $30,153 - $81,327","Should interest rates rise by 1%, your total repayment will increase by $11,750 per year. If your interest rate rises by 2%, your repayment will increase by $23,500 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-05-22,"2019-05-22 11:33:57"
1221,Oli,VIC,rollie.wa@gmail.com,single,0,renting,300,week,1320,week,500,annual,161000,annual,0,,0,5000,1500,0,0,4.49,1175000,0,4.20,1500000,3,100000,111307,"I am looking to review my situation","Property Chat",73271,83269,1498842,1318886,51,7,41,"Based on your financial information, we estimate that your risk position requires a buffer size of $30,153 - $81,327","Should interest rates rise by 1%, your total repayment will increase by $11,750 per year. If your interest rate rises by 2%, your repayment will increase by $23,500 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-05-22,"2019-05-22 05:13:23"
1220,"Vec Majstorovic",VIC,vecelec@hotmail.com,married/defacto,3,"Other(Living Rent Free)",0,,46000,annual,0,week,100000,annual,50000,annual,0,8000,3500,0,0,4.49,0,0,4.99,3000000,4,0,128304,"I am Looking to upgrade my home in future","Property Chat",120504,120504,2169072,2169072,69,4,27,"Based on your financial information, we estimate that your risk position requires a buffer size of $22,250 - $57,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-05-21,"2019-05-21 08:15:40"
1219,"James Spade",NSW,james.spade@protonmail.com,married/defacto,2,home,0,,1450,fortnight,0,annual,9350,month,0,annual,0,0,3000,365000,0,3.98,877000,877000,5.18,1700000,3,105000,43514,"I am a New Investor (1-3 properties)","Smart Property Investment",-2144,20941,376950,0,31,10,59,"Based on your financial information, we estimate that your risk position requires a buffer size of $31,769 - $82,316","Should interest rates rise by 1%, your total repayment will increase by $12,420 per year. If your interest rate rises by 2%, your repayment will increase by $24,840 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $16,084 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","10Years / 4 Months",,"Your risk position is HEALTHY.",,0,0,2019-05-21,"2019-05-21 04:55:50"
1218,David,NSW,john.wick.neo@protonmail.com,married/defacto,2,home,0,,1450,fortnight,0,annual,5500,month,3850,month,0,0,30000,365000,0,3.98,877000,877000,5.18,1700000,3,105000,-280486,"I am a New Investor (1-3 properties)","Property Chat",-320144,-297058,0,0,-197,10,287,"Based on your financial information, we estimate that your risk position requires a buffer size of $31,769 - $82,316","Should interest rates rise by 1%, your total repayment will increase by $12,420 per year. If your interest rate rises by 2%, your repayment will increase by $24,840 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $16,084 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 3 Months",,"You risk levels are high.",,0,0,2019-05-21,"2019-05-21 04:48:43"
1217,David,NSW,infosub247@gmail.com,married/defacto,2,home,0,,1450,fortnight,0,annual,5500,month,3850,month,0,0,3000,365000,0,3.98,877000,877000,5.18,1700000,3,100000,43514,"I am a New Investor (1-3 properties)","Property Chat",-2144,20941,376950,0,31,10,59,"Based on your financial information, we estimate that your risk position requires a buffer size of $31,769 - $82,316","Should interest rates rise by 1%, your total repayment will increase by $12,420 per year. If your interest rate rises by 2%, your repayment will increase by $24,840 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $16,084 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","9Years / 10 Months",,"Your risk position is HEALTHY.",,0,0,2019-05-21,"2019-05-21 04:42:21"
1216,test,NSW,test@test.com,married/defacto,3,renting,500,week,1000,week,0,week,80000,annual,110000,annual,0,6000,4000,0,0,4.49,850,500,4.90,900000,3,100000,140015,"I am looking to review my situation","Property Chat",139990,140003,2520065,2519822,60,11,28,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,916 - $55,679","Should interest rates rise by 1%, your total repayment will increase by $8 per year. If your interest rate rises by 2%, your repayment will increase by $17 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $9 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-05-21,"2019-05-21 04:10:21"
1215,,,test@test.com,married/defacto,3,renting,500,week,1000,week,0,week,80000,annual,110000,annual,0,6000,4000,0,0,4.49,850,500,4.90,900000,3,100000,140015,,,139990,140003,2520065,2519822,60,11,28,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,916 - $55,679","Should interest rates rise by 1%, your total repayment will increase by $8 per year. If your interest rate rises by 2%, your repayment will increase by $17 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $9 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-05-21,"2019-05-21 04:09:27"
1214,David,NSW,infosub247@gmail.com,married/defacto,2,home,0,,1450,fortnight,0,week,5500,month,4000,month,0,0,3000,365000,0,3.98,877000,877000,5.18,850000,2,100000,45314,"I am a New Investor (1-3 properties)","Property Chat",-344,22741,409350,0,31,10,58,"Based on your financial information, we estimate that your risk position requires a buffer size of $80,514 - $139,430","Should interest rates rise by 1%, your total repayment will increase by $12,420 per year. If your interest rate rises by 2%, your repayment will increase by $24,840 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $16,084 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","1Years / 7 Months",,"Your risk position is HEALTHY.",,0,0,2019-05-21,"2019-05-21 03:13:47"
1213,"Hamish Lou",VIC,hamishlou@gmail.com,single,0,"Other(Living Rent Free)",0,,2000,month,0,week,76700,annual,0,,0,0,1000,0,0,4.49,0,0,4.99,0,0,50000,76796,"I am looking to review my situation","Property Chat",59996,59996,1079928,1079928,80,8,12,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,195 - $12,783","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-05-19,"2019-05-19 16:09:42"
1212,Darin,QLD,Dceagle@gmail.com,single,0,"Other(Living Rent Free)",0,,400,annual,0,week,1250,fortnight,0,,0,0,350,0,0,4.49,0,0,4.99,0,0,30000,28502,"I am a First Home Buyer","Property Chat",3901,3901,70228,70228,87,24,-11,"Based on your financial information, we estimate that your risk position requires a buffer size of $1,354 - $5,416","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-05-17,"2019-05-17 02:37:59"
1211,"Prashant Patel",VIC,Techp007@gmail.com,married/defacto,1,home,0,,0,week,0,week,62000,annual,46000,annual,650,6000,600,355000,0,3.94,0,0,4.99,750000,1,150000,70649,"I am a New Investor (1-3 properties)","Property Chat",26979,30801,554426,485627,65,13,22,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,239 - $31,664","Should interest rates rise by 1%, your total repayment will increase by $3,550 per year. If your interest rate rises by 2%, your repayment will increase by $7,100 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-05-16,"2019-05-16 08:20:18"
1210,jasy,,jason.bas@hotmail.com,single,0,"Other(Living Rent Free)",0,,1000,week,0,week,104000,annual,0,,0,0,1000,0,0,0.10,700000,700000,4.00,1000000,1,625000,NaN,,,49347,NaN,0,888250,NaN,5,NaN,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,449 - $48,961","Should interest rates rise by 1%, your total repayment will increase by $7,000 per year. If your interest rate rises by 2%, your repayment will increase by $14,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $12,838 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2019-05-15,"2019-05-15 10:39:45"
1209,jasy,,zubri.suck@hotmail.com,single,0,"Other(Living Rent Free)",0,,1000,week,0,week,104000,annual,0,,0,0,1000,0,0,0.10,700000,700000,4.00,1000000,1,625000,NaN,,,49347,NaN,0,888250,NaN,5,NaN,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,449 - $48,961","Should interest rates rise by 1%, your total repayment will increase by $7,000 per year. If your interest rate rises by 2%, your repayment will increase by $14,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $12,838 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2019-05-15,"2019-05-15 10:37:21"
1208,jasy,,zubri@hotmail.com,single,0,"Other(Living Rent Free)",0,,1000,week,0,week,104000,annual,0,,0,0,1000,0,0,0.10,700000,700000,4.00,1000000,1,625000,NaN,,,49347,NaN,0,888250,NaN,5,NaN,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,449 - $48,961","Should interest rates rise by 1%, your total repayment will increase by $7,000 per year. If your interest rate rises by 2%, your repayment will increase by $14,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $12,838 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2019-05-15,"2019-05-15 10:36:05"
1207,jasy,,zub@hotmail.com,single,0,"Other(Living Rent Free)",0,,1000,week,0,week,104000,annual,0,,0,0,1000,0,0,0.10,700000,700000,4.00,1000000,1,625000,NaN,,,49347,NaN,0,888250,NaN,5,NaN,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,449 - $48,961","Should interest rates rise by 1%, your total repayment will increase by $7,000 per year. If your interest rate rises by 2%, your repayment will increase by $14,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $12,838 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2019-05-15,"2019-05-15 10:34:02"
1206,"Fitrya Shari",VIC,fgill76@yahoo.com.au,married/defacto,2,home,0,,0,week,0,week,2250,fortnight,2000,fortnight,0,0,1500,375000,0,3.75,0,0,0.10,750000,1,15000,71660,"I am looking to review my situation","Property Chat",37802,42449,764095,680437,65,13,22,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,597 - $32,577","Should interest rates rise by 1%, your total repayment will increase by $3,750 per year. If your interest rate rises by 2%, your repayment will increase by $7,500 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-05-10,"2019-05-10 12:30:27"
1205,"Richard Xue",VIC,porppoiseuu@gmail.com,married/defacto,1,"Other(Living Rent Free)",0,,1000,annual,0,annual,2000,fortnight,0,week,300,15000,3300,1000,0,5.49,20000,0,5.05,880000,1,100000,2873,"I am Looking to upgrade my home in future","Property Chat",-5282,-5267,0,0,5,15,80,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,122 - $16,833","Should interest rates rise by 1%, your total repayment will increase by $210 per year. If your interest rate rises by 2%, your repayment will increase by $420 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","13Years / 3 Months",,"Your risk position is HEALTHY.",,0,0,2019-05-08,"2019-05-08 22:50:10"
1204,martin,WA,martin.mariappan@gmail.com,married/defacto,2,home,0,,8000,month,0,week,3500,fortnight,3000,fortnight,0,41000,3000,626000,0,4.49,2118000,0,4.99,4060000,7,2000,27588,"I am an Advanced Investor (3+ properties)","Property Chat",-34738,-27987,0,0,11,11,77,"Based on your financial information, we estimate that your risk position requires a buffer size of $57,159 - $137,864","Should interest rates rise by 1%, your total repayment will increase by $27,440 per year. If your interest rate rises by 2%, your repayment will increase by $54,880 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 0 Months",,"You risk levels are high.",,0,0,2019-05-08,"2019-05-08 05:51:28"
1203,"Sian Agar",SA,spowellagar@gmail.com,married/defacto,0,home,0,,30000,annual,0,week,1350,fortnight,1500,fortnight,3500,13000,1745,333000,0,4.18,450000,450000,5.24,1350000,2,123000,-13982,"I am looking to review my situation","Property Chat",-53458,-41010,0,0,-14,14,100,"Based on your financial information, we estimate that your risk position requires a buffer size of $18,289 - $48,522","Should interest rates rise by 1%, your total repayment will increase by $7,830 per year. If your interest rate rises by 2%, your repayment will increase by $15,660 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $8,253 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 8 Months",,"Your risk position is HEALTHY.",,0,0,2019-05-04,"2019-05-04 14:29:29"
1202,"Sian Agar",SA,spowellagar,married/defacto,0,home,0,,30000,annual,0,week,1350,fortnight,1500,fortnight,3500,13000,1745,333000,0,4.18,450000,450000,5.24,1350000,2,123000,-13982,"I am looking to review my situation","Property Chat",-53458,-41010,0,0,-14,14,100,"Based on your financial information, we estimate that your risk position requires a buffer size of $18,289 - $48,522","Should interest rates rise by 1%, your total repayment will increase by $7,830 per year. If your interest rate rises by 2%, your repayment will increase by $15,660 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $8,253 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 8 Months",,"Your risk position is HEALTHY.",,0,0,2019-05-04,"2019-05-04 14:27:56"
1201,"Thomas Milligan",QLD,tmilligan242@gmail.com,married/defacto,2,renting,460,week,0,week,200,fortnight,1250,week,0,week,0,8000,1700,0,0,4.49,0,0,4.99,0,0,55000,23000,"I am a First Home Buyer",Other,6200,6200,111600,111600,33,34,33,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,708 - $10,833","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-05-01,"2019-05-01 09:48:14"
1200,"Kieran Bass",WA,kieran_bass@yahoo.com,married/defacto,2,renting,460,week,300,week,0,week,2950,fortnight,900,fortnight,1432,0,4000,0,0,4.49,275000,0,4.03,320000,1,30000,7625,"I am a New Investor (1-3 properties)","Property Chat",925,3672,66102,16655,7,21,72,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,940 - $33,313","Should interest rates rise by 1%, your total repayment will increase by $2,750 per year. If your interest rate rises by 2%, your repayment will increase by $5,500 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","2Years / 4 Months",,"Your risk position is HEALTHY.",,0,0,2019-05-01,"2019-05-01 05:13:10"
1199,Terry,NSW,merps2001@gmail.com,married/defacto,2,home,0,,375,week,0,week,3283,fortnight,4192,month,0,6000,4000,275000,250000,4.49,304000,304000,4.99,1100000,2,50000,72479,"I am Looking to upgrade my home in future","Property Chat",50292,65500,1179009,905271,48,8,44,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,507 - $56,015","Should interest rates rise by 1%, your total repayment will increase by $5,790 per year. If your interest rate rises by 2%, your repayment will increase by $11,580 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $10,160 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-29,"2019-04-29 10:58:56"
1198,"Neville R Entriken",QLD,nevre45r@outlook.com,single,0,home,0,,0,fortnight,0,week,550,fortnight,0,,300,0,300,0,0,4.49,0,0,4.49,87000,1,0,7100,"I am looking to review my situation",Other,-10300,-10300,0,0,50,0,50,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,595 - $10,383","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 0 Months",,"You risk levels are high.",,0,0,2019-04-29,"2019-04-29 03:19:34"
1197,Richard,VIC,richardhouston318@gmail.com,married/defacto,2,home,0,,0,week,0,week,120000,annual,80000,annual,0,3000,7000,200000,0,4.49,0,0,4.99,1400000,1,30000,102774,"I am looking to review my situation","Property Chat",98547,99737,1795270,1773859,51,4,44,"Based on your financial information, we estimate that your risk position requires a buffer size of $12,280 - $43,344","Should interest rates rise by 1%, your total repayment will increase by $2,000 per year. If your interest rate rises by 2%, your repayment will increase by $4,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-27,"2019-04-27 02:17:10"
1196,"Bojan Lalic",NSW,Blalic85@gmail.com,married/defacto,0,"Other(Living Rent Free)",0,,1600,week,0,week,7000,month,7000,month,900,7000,2000,0,0,4.49,2000000,2000000,4.80,2600000,2,20000,109913,"I am looking to review my situation",Other,639,54112,974030,11504,47,3,50,"Based on your financial information, we estimate that your risk position requires a buffer size of $43,209 - $121,400","Should interest rates rise by 1%, your total repayment will increase by $20,000 per year. If your interest rate rises by 2%, your repayment will increase by $40,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $36,680 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-25,"2019-04-25 12:10:40"
1195,"Bojan Lalic",NSW,Blalic85@gmail.com,married/defacto,2,"Other(Living Rent Free)",0,,6100,month,0,week,7000,month,7009,month,0,7000,2000,0,0,4.49,2000009,2000000,4.87,2600000,2,20000,114380,"I am looking to review my situation",Other,6506,58230,1048144,117118,50,3,46,"Based on your financial information, we estimate that your risk position requires a buffer size of $43,213 - $121,418","Should interest rates rise by 1%, your total repayment will increase by $20,000 per year. If your interest rate rises by 2%, your repayment will increase by $40,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $36,680 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-25,"2019-04-25 06:43:43"
1194,"Dylan Hvasanov",NSW,d.hvasanov@gmail.com,married/defacto,0,renting,250,month,10000,annual,0,annual,1963,fortnight,1980,fortnight,0,6000,1000,0,0,4.49,0,0,4.99,0,0,400000,90398,"I am looking to review my situation","Property Chat",55598,55598,1000764,1000764,82,7,11,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,271 - $17,086","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-25,"2019-04-25 01:21:29"
1193,"Natalie Siu",NSW,natalie.siu2@gmail.com,single,0,"Other(Living Rent Free)",0,,2000,annual,0,annual,4700,month,0,,0,4000,1160,0,0,4.49,0,0,4.99,0,0,120000,42048,"I am a First Home Buyer","Property Chat",27168,27168,489024,489024,72,13,14,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,350 - $9,400","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-25,"2019-04-25 00:18:52"
1192,"Dd bj",SA,Deudjxgwuzj@gmail.com,single,0,home,0,,1400,month,0,week,2100,fortnight,0,,0,12000,1000,110000,0,4.15,395000,0,4.15,600000,2,230000,23866,"I am looking to review my situation","Property Chat",2984,7501,135029,53713,35,7,58,"Based on your financial information, we estimate that your risk position requires a buffer size of $16,640 - $40,310","Should interest rates rise by 1%, your total repayment will increase by $5,050 per year. If your interest rate rises by 2%, your repayment will increase by $10,100 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","68Years / 9 Months",,"Your risk position is HEALTHY.",,0,0,2019-04-24,"2019-04-24 15:08:20"
1191,Jgg,,Jjk@gmail.com,married/defacto,2,renting,540,week,2400,week,0,week,4220,fortnight,3000,fortnight,0,6000,2000,0,0,4.49,2335233,0,4.50,3000300,5,250025,93273,,,20095,33776,607978,361727,32,10,58,"Based on your financial information, we estimate that your risk position requires a buffer size of $50,383 - $131,056","Should interest rates rise by 1%, your total repayment will increase by $23,352 per year. If your interest rate rises by 2%, your repayment will increase by $46,704 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-24,"2019-04-24 02:34:02"
1190,"Irena platis",VIC,Irena.platis@gmail.com,single,3,home,0,,0,week,0,week,4000,fortnight,0,,300,0,2200,150000,0,4.08,190000,100,4.19,660000,2,1000,57352,"I am Looking to upgrade my home in future","Property Chat",49330,52399,943188,887943,55,6,39,"Based on your financial information, we estimate that your risk position requires a buffer size of $14,220 - $39,012","Should interest rates rise by 1%, your total repayment will increase by $3,400 per year. If your interest rate rises by 2%, your repayment will increase by $6,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $2 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-24,"2019-04-24 00:15:46"
1189,Bala,QLD,balaje.r@gmail.com,married/defacto,2,renting,350,week,320,week,0,week,6100,month,6800,month,0,6000,4000,0,0,0.10,275000,0,4.20,375000,1,190000,83268,"I am looking to review my situation",Other,76893,79233,1426200,1384082,50,11,40,"Based on your financial information, we estimate that your risk position requires a buffer size of $12,914 - $39,954","Should interest rates rise by 1%, your total repayment will increase by $2,750 per year. If your interest rate rises by 2%, your repayment will increase by $5,500 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-23,"2019-04-23 05:08:29"
1188,JD,ACT,j_joy22@hotmail.com,married/defacto,1,home,0,,0,annual,0,annual,3140,fortnight,800,fortnight,0,18000,6000,273834,0,4.49,0,0,4.99,360000,1,28000,7330,"I am looking to review my situation","Property Chat",1543,3172,57100,27785,7,12,81,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,838 - $31,735","Should interest rates rise by 1%, your total repayment will increase by $2,738 per year. If your interest rate rises by 2%, your repayment will increase by $5,476 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2019-04-23,"2019-04-23 02:44:13"
1187,JD,ACT,j_joy22@hotmail.com,married/defacto,1,home,0,,0,annual,0,annual,3140,fortnight,800,fortnight,0,18000,6000,273834,0,4.49,0,0,4.99,360000,1,28000,7330,"I am looking to review my situation","Property Chat",1543,3172,57100,27785,7,12,81,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,838 - $31,735","Should interest rates rise by 1%, your total repayment will increase by $2,738 per year. If your interest rate rises by 2%, your repayment will increase by $5,476 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2019-04-23,"2019-04-23 02:37:25"
1186,Jez,ACT,j_joy22@hotmail.com,married/defacto,1,home,0,,0,annual,0,annual,3141,fortnight,800,fortnight,0,18000,6000,273834,0,4.49,0,0,4.99,360000,1,28000,7356,"I am looking to review my situation","Property Chat",1569,3198,57568,28253,7,12,81,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,839 - $31,739","Should interest rates rise by 1%, your total repayment will increase by $2,738 per year. If your interest rate rises by 2%, your repayment will increase by $5,476 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2019-04-23,"2019-04-23 02:33:40"
1185,"Jez Dan",ACT,j_joy22@hotmail.com,married/defacto,1,home,0,,0,annual,0,annual,3141,fortnight,900,fortnight,0,18000,2000,273833,0,4.10,0,0,4.99,380000,1,28306,58708,"I am looking to review my situation","Property Chat",34169,36738,661295,615054,56,11,33,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,776 - $31,390","Should interest rates rise by 1%, your total repayment will increase by $2,738 per year. If your interest rate rises by 2%, your repayment will increase by $5,476 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-23,"2019-04-23 01:20:30"
1184,"Jez Dan",ACT,j_joy22@hotmail.com,married/defacto,1,home,0,,0,annual,0,annual,3141,fortnight,900,fortnight,0,18000,2000,273833,0,4.10,0,0,4.99,380000,1,28306,58708,"I am looking to review my situation","Property Chat",34169,36738,661295,615054,56,11,33,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,776 - $31,390","Should interest rates rise by 1%, your total repayment will increase by $2,738 per year. If your interest rate rises by 2%, your repayment will increase by $5,476 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-23,"2019-04-23 01:13:31"
1183,Bm,QLD,B@b.com,married/defacto,0,home,0,,25500,annual,0,annual,67500,annual,65500,annual,0,5000,2500,343000,0,4.00,65000,0,4.42,925000,2,170000,91569,"I am looking to review my situation","Property Chat",69734,73677,1326191,1255228,60,9,31,"Based on your financial information, we estimate that your risk position requires a buffer size of $15,333 - $44,440","Should interest rates rise by 1%, your total repayment will increase by $4,080 per year. If your interest rate rises by 2%, your repayment will increase by $8,160 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-22,"2019-04-22 12:48:45"
1182,"Justin Vaughan",QLD,jctv73@bigpond.com,married/defacto,2,home,0,,0,week,0,week,3388,fortnight,1000,fortnight,744,0,4363,464000,464000,3.74,0,0,4.99,720000,1,14000,35450,"I am a New Investor (1-3 properties)","Property Chat",12558,31112,560016,226046,31,15,54,"Based on your financial information, we estimate that your risk position requires a buffer size of $14,393 - $42,216","Should interest rates rise by 1%, your total repayment will increase by $4,640 per year. If your interest rate rises by 2%, your repayment will increase by $9,280 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $8,509 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-22,"2019-04-22 02:47:23"
1181,"Pero Posro",NSW,marinofatovic12@gmail.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,3300,month,0,,0,0,1000,0,0,0.10,0,0,0.10,0,0,11000,27600,"I am a First Home Buyer","Smart Property Investment",10800,10800,194400,194400,70,20,11,"Based on your financial information, we estimate that your risk position requires a buffer size of $1,650 - $6,600","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-19,"2019-04-19 04:59:24"
1180,jason,VIC,yueshern@gmail.com,married/defacto,1,"Other(Living Rent Free)",0,,0,week,200,fortnight,5000,month,0,week,0,20000,3000,0,0,4.49,0,0,4.99,0,0,50000,22000,"None of the above",Other,12999,12999,233999,233999,34,12,54,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,500 - $10,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-18,"2019-04-18 04:28:13"
1179,Dee,QLD,Daynahill@hotmail.com,single,1,home,0,,50000,annual,160,fortnight,55000,annual,0,,4000,1000,2000,370000,0,4.19,630000,630000,4.56,190000,4,100000,-27925,"None of the above",Media,-62443,-40528,0,0,-28,16,113,"Based on your financial information, we estimate that your risk position requires a buffer size of $310,126 - $395,770","Should interest rates rise by 1%, your total repayment will increase by $10,000 per year. If your interest rate rises by 2%, your repayment will increase by $20,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $11,554 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 3 Months",,"You risk levels are high.",,0,0,2019-04-17,"2019-04-17 04:35:40"
1178,Rohan,ACT,ron6662002@yahoo.com,married/defacto,1,home,0,,2000,month,0,week,2000,fortnight,4000,fortnight,2000,30000,1500,430000,0,3.83,478000,478000,3.69,2000000,2,50000,81485,"None of the above","Property Chat",22594,47042,846763,406695,47,9,44,"Based on your financial information, we estimate that your risk position requires a buffer size of $20,863 - $62,747","Should interest rates rise by 1%, your total repayment will increase by $9,080 per year. If your interest rate rises by 2%, your repayment will increase by $18,160 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $8,766 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-17,"2019-04-17 02:45:39"
1177,CC,VIC,CHAIBA2501@GMAIL.COM,married/defacto,2,home,0,,0,annual,0,week,1500,fortnight,1764,week,1800,60000,1500,457000,0,4.12,0,0,4.99,650000,1,1000,42966,"I am looking to review my situation",Media,8117,12325,221853,146114,33,14,53,"Based on your financial information, we estimate that your risk position requires a buffer size of $13,325 - $39,028","Should interest rates rise by 1%, your total repayment will increase by $4,570 per year. If your interest rate rises by 2%, your repayment will increase by $9,140 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-17,"2019-04-17 02:42:56"
1176,Steven,VIC,hysterical1144@yahoo.com,married/defacto,2,home,0,,0,week,0,week,3977,month,3977,month,0,0,2500,0,0,4.49,0,0,4.99,0,0,150000,65448,"I am a First Home Buyer",Media,58248,58248,1048464,1048464,69,0,31,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,977 - $15,908","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-16,"2019-04-16 04:40:18"
1175,"Mike Hunt",VIC,mhunt100@gmail.com,single,0,home,0,,0,week,0,week,5000,month,0,,500,10000,2000,420000,0,4.69,0,0,4.99,800000,1,2000,291,"I am looking to review my situation",Other,-7981,-6236,0,0,0,33,67,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,896 - $25,088","Should interest rates rise by 1%, your total repayment will increase by $4,200 per year. If your interest rate rises by 2%, your repayment will increase by $8,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 1 Months",,"You risk levels are high.",,0,0,2019-04-16,"2019-04-16 02:22:38"
1174,ABC,WA,WA@WA.com.au,married/defacto,0,renting,360,week,0,week,0,week,60000,annual,60000,annual,200,1000,1600,0,0,4.49,0,0,4.99,0,0,60000,79320,"I am a First Home Buyer",Media,56520,56520,1017360,1017360,66,16,18,"Based on your financial information, we estimate that your risk position requires a buffer size of $5,000 - $20,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-16,"2019-04-16 01:58:59"
1173,"Kate Thompson",VIC,Thompsonfamily7@optusnet.com.au,married/defacto,2,home,0,,0,week,0,week,40000,annual,0,week,0,5000,2000,100000,0,3.90,0,0,4.99,500000,1,0,8540,"None of the above",Media,-7186,-6075,0,0,21,10,69,"Based on your financial information, we estimate that your risk position requires a buffer size of $5,729 - $15,774","Should interest rates rise by 1%, your total repayment will increase by $1,000 per year. If your interest rate rises by 2%, your repayment will increase by $2,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 0 Months",,"You risk levels are high.",,0,0,2019-04-16,"2019-04-16 01:57:56"
1172,abc,NSW,abc@fake.com,married/defacto,0,home,0,,0,week,0,week,9000,month,0,week,2000,20000,5000,450000,450000,4.49,960000,960000,4.99,1600000,2,150000,-35325,"I am an Advanced Investor (3+ properties)","Property Chat",-89514,-52352,0,0,-33,19,114,"Based on your financial information, we estimate that your risk position requires a buffer size of $40,224 - $99,848","Should interest rates rise by 1%, your total repayment will increase by $14,100 per year. If your interest rate rises by 2%, your repayment will increase by $28,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $25,859 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","1Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2019-04-15,"2019-04-15 01:59:47"
1171,"Rose Smithers",NSW,actvic@bigpond.net.au,married/defacto,0,"Other(Living Rent Free)",0,,0,week,65,week,622,week,255,week,85,6000,1350,0,0,0.10,0,0,4.99,0,0,130000,29604,"I am looking to review my situation","Property Chat",804,804,14472,14472,60,16,24,"Based on your financial information, we estimate that your risk position requires a buffer size of $1,900 - $7,600","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-14,"2019-04-14 19:59:22"
1170,"Don Calder",WA,dcalder237@gmail.com,married/defacto,0,home,0,,110000,annual,0,week,3600,fortnight,2200,fortnight,0,15000,4200,320000,0,3.10,1745000,1525000,4.73,3080000,8,600000,77225,"I am looking to review my situation","Property Chat",3015,51657,929830,54280,32,4,64,"Based on your financial information, we estimate that your risk position requires a buffer size of $61,746 - $150,320","Should interest rates rise by 1%, your total repayment will increase by $20,650 per year. If your interest rate rises by 2%, your repayment will increase by $41,300 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $27,969 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","23Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2019-04-14,"2019-04-14 16:18:47"
1169,"Don Calder",WA,dcalder237@gmail.com,married/defacto,0,home,0,,110000,annual,0,week,3600,fortnight,2200,fortnight,0,15000,4200,320000,0,3.10,1745000,1525000,4.73,3080000,8,600000,77225,"I am looking to review my situation","Property Chat",3015,51657,929830,54280,32,4,64,"Based on your financial information, we estimate that your risk position requires a buffer size of $61,746 - $150,320","Should interest rates rise by 1%, your total repayment will increase by $20,650 per year. If your interest rate rises by 2%, your repayment will increase by $41,300 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $27,969 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","23Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2019-04-14,"2019-04-14 16:04:17"
1168,"Don Calder",WA,dcalder237@gmail.com,married/defacto,0,home,0,,110000,annual,0,week,3000,fortnight,2200,fortnight,0,15000,50000,320000,0,3.10,1745000,1525000,4.73,3080000,8,600000,-487975,"I am looking to review my situation","Property Chat",-562184,-513542,0,0,-219,4,314,"Based on your financial information, we estimate that your risk position requires a buffer size of $61,096 - $147,720","Should interest rates rise by 1%, your total repayment will increase by $20,650 per year. If your interest rate rises by 2%, your repayment will increase by $41,300 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $27,969 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2019-04-14,"2019-04-14 15:51:52"
1167,"Annette Marie",NSW,annie8788@yahoo.com,single,0,home,0,,680,fortnight,0,annual,1800,fortnight,0,,300,14000,400,0,0,0.10,160000,0,4.68,350000,1,2000,35000,,Other,15636,16316,293692,281464,57,0,43,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,693 - $18,307","Should interest rates rise by 1%, your total repayment will increase by $1,600 per year. If your interest rate rises by 2%, your repayment will increase by $3,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-14,"2019-04-14 13:50:57"
1166,c,VIC,wzginz@gmail.com,single,0,renting,200,month,2000,annual,100,annual,60000,annual,0,,0,3000,1500,0,0,4.49,0,0,4.99,0,0,1150000,39628,"I am a First Home Buyer","Property Chat",31228,31228,562104,562104,64,13,23,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,500 - $10,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-14,"2019-04-14 00:57:51"
1165,"William Chen",NSW,william.kun.chen@gmail.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,4000,month,0,,0,2500,250,0,0,4.49,0,0,4.99,0,0,50000,44100,"I am looking to review my situation",Other,18300,18300,329400,329400,92,16,-8,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,000 - $8,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-12,"2019-04-12 06:23:40"
1164,"stephanie garner",WA,stephbling@yahoo.co.uk,married/defacto,0,home,0,,920,week,0,week,2100,fortnight,2300,fortnight,611,15000,3500,216000,0,3.79,969500,773000,4.44,1430000,4,20000,41674,"I am looking to review my situation","Property Chat",-893,27111,488012,0,27,5,67,"Based on your financial information, we estimate that your risk position requires a buffer size of $38,315 - $96,333","Should interest rates rise by 1%, your total repayment will increase by $11,855 per year. If your interest rate rises by 2%, your repayment will increase by $23,710 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $14,177 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 10 Months",,"Your risk position could be improved",,0,0,2019-04-10,"2019-04-10 06:21:01"
1163,"stephanie garner",WA,stephbling@yahoo.co.uk,married/defacto,0,home,0,,920,week,0,week,2100,fortnight,2300,fortnight,611,15000,3500,216500,0,3.89,969500,773500,4.44,1430000,4,20000,41506,"I am looking to review my situation","Property Chat",-937,26901,484227,0,27,6,67,"Based on your financial information, we estimate that your risk position requires a buffer size of $38,349 - $96,384","Should interest rates rise by 1%, your total repayment will increase by $11,860 per year. If your interest rate rises by 2%, your repayment will increase by $23,720 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $14,186 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 10 Months",,"Your risk position could be improved",,0,0,2019-04-10,"2019-04-10 06:15:41"
1162,.,NSW,crashnburnx8@yahoo.com,married/defacto,4,renting,480,week,0,week,0,week,4080,fortnight,0,fortnight,0,0,3000,0,0,4.49,0,0,4.99,0,0,120000,45120,,,39120,39120,704160,704160,43,24,34,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,420 - $17,680","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-10,"2019-04-10 05:39:43"
1161,.,NSW,test@email.com,married/defacto,4,renting,480,week,0,week,0,week,4080,fortnight,0,fortnight,0,0,3000,0,0,4.49,0,0,4.99,0,0,120000,45120,,,39120,39120,704160,704160,43,24,34,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,420 - $17,680","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-10,"2019-04-10 05:37:57"
1160,"John Doe",ACT,saurabh.saddi@gmail.com,married/defacto,1,home,0,,0,week,0,week,1900,week,0,week,0,10000,4000,0,0,4.49,550000,550000,4.99,1000000,2,130000,28913,"I am looking to review my situation","Property Chat",8652,22051,396922,155740,29,0,71,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,989 - $49,558","Should interest rates rise by 1%, your total repayment will increase by $5,500 per year. If your interest rate rises by 2%, your repayment will increase by $11,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $10,087 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","46Years / 9 Months",,"Your risk position is HEALTHY.",,0,0,2019-04-09,"2019-04-09 14:39:08"
1159,cam,NSW,dfgsdfg@sgdgd.com,married/defacto,2,home,0,,350,week,0,week,3150,fortnight,0,week,0,0,1200,0,0,5.00,0,0,4.99,650000,1,30000,76673,"I am Looking to upgrade my home in future",Other,53872,53872,969710,969710,79,0,21,"Based on your financial information, we estimate that your risk position requires a buffer size of $7,412 - $21,650","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-08,"2019-04-08 00:16:29"
1158,"Alok Chugh",NSW,jcalokchugh@gmail.com,married/defacto,2,home,0,,0,week,0,week,11676,month,1500,month,0,0,3000,700000,0,3.91,0,0,4.99,830000,1,25000,82444,"I am a New Investor (1-3 properties)","Property Chat",52809,60526,1089479,950565,52,17,31,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,485 - $55,520","Should interest rates rise by 1%, your total repayment will increase by $7,000 per year. If your interest rate rises by 2%, your repayment will increase by $14,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-04-07,"2019-04-07 23:46:34"
1157,Jj,ACT,Jayson.nichols@outlook.com,married/defacto,3,renting,0850,week,250000,annual,0,week,4200,fortnight,0,fortnight,0,20000,4000,0,0,4.49,5000000,3000000,4.99,5200000,12,5000,-59341,"None of the above",Other,-204882,-128938,0,0,-19,14,105,"Based on your financial information, we estimate that your risk position requires a buffer size of $176,192 - $367,686","Should interest rates rise by 1%, your total repayment will increase by $50,000 per year. If your interest rate rises by 2%, your repayment will increase by $100,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $55,021 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 0 Months",,"You risk levels are high.",,0,0,2019-04-07,"2019-04-07 05:46:21"
1156,"Dani ana",VIC,Cherryonion@hotmail.com,married/defacto,2,home,0,,1100,week,0,week,4500,month,20000,month,0,6000,2500,0,0,4.49,930000,930000,4.40,2500000,4,170000,265233,"I am an Advanced Investor (3+ properties)","Property Chat",207488,237003,4266059,3734784,78,0,22,"Based on your financial information, we estimate that your risk position requires a buffer size of $35,595 - $106,945","Should interest rates rise by 1%, your total repayment will increase by $9,300 per year. If your interest rate rises by 2%, your repayment will increase by $18,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $17,056 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-29,"2019-03-29 11:13:11"
1155,"Andrew Tan",ACT,tan.churan@gmail.com,married/defacto,0,home,0,,480,week,0,fortnight,2040,fortnight,1100,fortnight,580,10000,3000,271200,271200,5.54,210000,0,5.45,800000,2,25000,21903,"I am Looking to upgrade my home in future",Other,9242,13389,241003,166364,22,15,64,"Based on your financial information, we estimate that your risk position requires a buffer size of $15,964 - $42,114","Should interest rates rise by 1%, your total repayment will increase by $4,812 per year. If your interest rate rises by 2%, your repayment will increase by $9,624 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $4,973 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","4Years / 7 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-27,"2019-03-27 11:00:36"
1154,"Christine Aughey",NSW,chrisaughey@hotmail.com,married/defacto,0,home,0,,2000,week,0,week,2400,week,60000,annual,0,10000,4500,15000,15000,4.45,1700000,1700000,4.24,3100000,7,50000,135174,"I am an Advanced Investor (3+ properties)","Property Chat",59167,116986,2105759,1065012,50,0,49,"Based on your financial information, we estimate that your risk position requires a buffer size of $54,101 - $140,196","Should interest rates rise by 1%, your total repayment will increase by $17,150 per year. If your interest rate rises by 2%, your repayment will increase by $34,300 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $31,453 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-25,"2019-03-25 03:24:01"
1153,"Not Required",NSW,nhoganbx@gmail.com,married/defacto,0,home,0,,250,week,0,week,11000,month,1100,fortnight,6000,0,1200,360000,0,6.95,190000,0,5.25,1150000,2,30000,42729,"I am looking to review my situation","Property Chat",5291,-1167,0,95253,25,15,60,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,427 - $51,589","Should interest rates rise by 1%, your total repayment will increase by $5,500 per year. If your interest rate rises by 2%, your repayment will increase by $11,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-25,"2019-03-25 01:59:28"
1152,"Matthew Stan",VIC,M.stanojevic@optusnet.com.au,married/defacto,2,home,0,,0,week,0,week,7600,month,2600,fortnight,0,30000,8000,0,0,4.49,0,0,4.99,950000,1,40000,52000,"I am looking to review my situation",Other,51999,51999,935999,935999,33,0,67,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,616 - $34,466","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-24,"2019-03-24 10:53:20"
1151,"Anne Long",NSW,Moshimoshi1127@gmail.com,married/defacto,1,home,0,,700,annual,0,week,1660,fortnight,5000,month,0,20000,3500,0,0,4.49,0,0,4.99,1300000,1,65000,54313,"I am a New Investor (1-3 properties)","Property Chat",54312,54312,977630,977630,52,0,48,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,298 - $25,193","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-24,"2019-03-24 10:03:58"
1150,"michael newton",NSW,mnewton10@gmail.com,single,0,renting,300,week,0,week,0,week,90000,annual,0,,0,0,2000,0,0,4.49,800000,500000,4.99,1200000,2,10000,19466,"I am looking to review my situation","Property Chat",-4206,8403,151254,0,22,17,61,"Based on your financial information, we estimate that your risk position requires a buffer size of $20,376 - $53,401","Should interest rates rise by 1%, your total repayment will increase by $8,000 per year. If your interest rate rises by 2%, your repayment will increase by $16,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $9,170 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 7 Months",,"Your risk position could be improved",,0,0,2019-03-22,"2019-03-22 10:29:08"
1149,"Alison Ray",NSW,cosmicgal76@gmail.com,single,0,home,0,,320,week,0,week,64658,annual,0,,0,10000,2000,450000,0,4.10,280000,0,4.89,1000000,2,30000,6202,"I am a New Investor (1-3 properties)",Twitter,-9652,-4774,0,0,8,24,68,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,196 - $42,940","Should interest rates rise by 1%, your total repayment will increase by $7,300 per year. If your interest rate rises by 2%, your repayment will increase by $14,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 4 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-21,"2019-03-21 02:17:20"
1148,"Juan Marco",ACT,kramx7@yahoo.com,single,3,home,0,,1000,month,4000,month,30000,month,0,,3500,20000,20000,1000000,0,5.00,0,0,1.00,1200000,3,15000,60429,"I am looking to review my situation",Facebook,42986,44324,797845,773763,14,12,74,"Based on your financial information, we estimate that your risk position requires a buffer size of $39,083 - $113,523","Should interest rates rise by 1%, your total repayment will increase by $10,000 per year. If your interest rate rises by 2%, your repayment will increase by $20,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","1Years / 10 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-20,"2019-03-20 03:20:38"
1147,"Jan Mark",ACT,kramx7z@gmail.com,single,3,home,0,,1000,month,4000,month,30000,month,0,,3500,20000,20000,1000000,0,5.00,0,0,1.00,1200000,3,15000,60429,"I am looking to review my situation",Facebook,42986,44324,797845,773763,14,12,74,"Based on your financial information, we estimate that your risk position requires a buffer size of $39,083 - $113,523","Should interest rates rise by 1%, your total repayment will increase by $10,000 per year. If your interest rate rises by 2%, your repayment will increase by $20,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","1Years / 10 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-20,"2019-03-20 02:07:57"
1146,Matthew,VIC,mattjewel@outlook.com,married/defacto,2,home,0,,20,month,1,month,7800,month,2700,fortnight,0,25000,7500,0,0,4.49,0,0,4.99,950000,1,40000,64933,"I am looking to review my situation","Property Chat",64932,64932,1168793,1168793,40,0,60,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,825 - $35,300","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-19,"2019-03-19 22:44:19"
1145,MoneyTails,NSW,Moneynobrains@email.com,married/defacto,0,renting,2120,month,0,month,0,month,8850,month,0,month,0,20000,3500,0,0,4.49,0,0,4.99,0,0,25000,31560,"I am a First Home Buyer",Other,31560,31560,568080,568080,30,24,46,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,425 - $17,700","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-19,"2019-03-19 12:15:11"
1144,C,VIC,.,single,0,"Other(Living Rent Free)",0,,520,fortnight,0,week,1600,fortnight,0,,1100,6000,500,0,0,4.49,300000,300000,4.99,400000,1,40000,17079,,,-16771,-9463,0,0,33,15,53,"Based on your financial information, we estimate that your risk position requires a buffer size of $9,874 - $26,130","Should interest rates rise by 1%, your total repayment will increase by $3,000 per year. If your interest rate rises by 2%, your repayment will increase by $6,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $5,502 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-19,"2019-03-19 10:59:18"
1143,"Jo Blo",NSW,Ziggysunset44@gmail.com,married/defacto,2,home,0,,110000,annual,6000,annual,1600,fortnight,1600,fortnight,0,6000,3200,0,0,4.49,400000,0,4.99,4200000,6,310000,85002,"None of the above","Property Chat",77995,78567,1414212,1403919,48,0,52,"Based on your financial information, we estimate that your risk position requires a buffer size of $28,726 - $68,876","Should interest rates rise by 1%, your total repayment will increase by $4,000 per year. If your interest rate rises by 2%, your repayment will increase by $8,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-19,"2019-03-19 02:40:01"
1142,"Jan Mark",ACT,kramx7z@gmail.com,single,3,home,0,,0,week,0,week,7500,week,0,,3500,45000,20000,1500000,600000,3.00,0,0,4.99,1800000,2,15000,28267,"I am looking to review my situation",Facebook,-33917,12383,222902,0,7,12,81,"Based on your financial information, we estimate that your risk position requires a buffer size of $45,126 - $133,538","Should interest rates rise by 1%, your total repayment will increase by $15,000 per year. If your interest rate rises by 2%, your repayment will increase by $30,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $11,004 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 3 Months",,"You risk levels are high.",,0,0,2019-03-18,"2019-03-18 07:42:08"
1141,"Jan Mark",NSW,kramx7z@gmail.com,single,0,home,0,,0,week,0,week,7000,week,0,,2000,45000,20000,1500000,600000,4.49,0,0,4.99,1200000,3,15000,2202,"I am looking to review my situation",Facebook,-41917,-18197,0,0,1,19,81,"Based on your financial information, we estimate that your risk position requires a buffer size of $87,104 - $181,847","Should interest rates rise by 1%, your total repayment will increase by $15,000 per year. If your interest rate rises by 2%, your repayment will increase by $30,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $11,004 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 1 Months",,"You risk levels are high.",,0,0,2019-03-18,"2019-03-18 07:36:12"
1140,"Mirna wiradiputra",NSW,mirna.wiradiputra@gmail.com,single,2,renting,960,fortnight,290,week,615,fortnight,806,week,0,,1083,6000,3000,0,0,4.49,214000,0,4.29,300030,1,80000,-19744,"I am looking to review my situation","Property Chat",-24568,-22917,0,0,-28,36,93,"Based on your financial information, we estimate that your risk position requires a buffer size of $7,596 - $19,467","Should interest rates rise by 1%, your total repayment will increase by $2,140 per year. If your interest rate rises by 2%, your repayment will increase by $4,280 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-16,"2019-03-16 06:03:59"
1139,"James Pletcher",VIC,jimandjessp@gmail.com,married/defacto,3,home,0,,56160,annual,0,week,5500,month,3400,fortnight,0,12500,6000,519000,0,3.90,1210000,1210000,4.99,1380000,3,50000,36597,"I am an Advanced Investor (3+ properties)",Twitter,-21086,14158,254844,0,18,10,71,"Based on your financial information, we estimate that your risk position requires a buffer size of $90,211 - $169,238","Should interest rates rise by 1%, your total repayment will increase by $17,290 per year. If your interest rate rises by 2%, your repayment will increase by $34,580 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $22,191 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 6 Months",,"Your risk position could be improved",,0,0,2019-03-15,"2019-03-15 21:33:46"
1138,Kyle,NSW,Kylebradley0069@gmail.com,married/defacto,0,home,0,,1300,month,0,week,1000,week,760,week,400,10000,1900,350000,0,4.60,400000,100,4.60,1500000,2,80000,28706,"None of the above","Property Chat",-953,2771,49893,0,28,15,57,"Based on your financial information, we estimate that your risk position requires a buffer size of $15,798 - $43,576","Should interest rates rise by 1%, your total repayment will increase by $7,500 per year. If your interest rate rises by 2%, your repayment will increase by $15,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $2 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-15,"2019-03-15 00:48:55"
1137,a,NSW,fred@fred.com,married/defacto,2,home,0,,1520,week,0,fortnight,3300,fortnight,2900,fortnight,0,7000,3000,0,0,4.49,1300000,650000,4.19,2610000,5,0,118828,"I am looking to review my situation","Property Chat",62572,90495,1628912,1126304,53,0,47,"Based on your financial information, we estimate that your risk position requires a buffer size of $36,564 - $97,119","Should interest rates rise by 1%, your total repayment will increase by $13,000 per year. If your interest rate rises by 2%, your repayment will increase by $26,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $11,921 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-14,"2019-03-14 21:19:19"
1136,"Christof Libby",NSW,libbyimac@gmail.com,single,0,home,0,,0,week,0,week,75000,annual,0,,0,6500,1800,750,0,4.49,0,0,4.99,700000,1,130000,51014,"I am looking to review my situation","Property Chat",50998,51003,918055,917974,68,0,32,"Based on your financial information, we estimate that your risk position requires a buffer size of $7,123 - $20,506","Should interest rates rise by 1%, your total repayment will increase by $7 per year. If your interest rate rises by 2%, your repayment will increase by $15 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-14,"2019-03-14 10:27:30"
1135,Joe,NSW,propertyjoey2015@gmail.com,married/defacto,2,home,0,,20800,month,0,week,10000,month,5000,month,500,10000,4000,500000,0,3.72,320000,320000,4.80,1200000,2,100000,210482,"I am a New Investor (1-3 properties)",Other,184840,199720,3594965,3327120,55,5,40,"Based on your financial information, we estimate that your risk position requires a buffer size of $24,321 - $67,853","Should interest rates rise by 1%, your total repayment will increase by $8,200 per year. If your interest rate rises by 2%, your repayment will increase by $16,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $5,868 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-13,"2019-03-13 07:32:07"
1134,"P Yuen",QLD,p.yuen@vivaenergy.com.au,married/defacto,0,home,0,,920,week,8000,annual,8250,month,800,month,0,9000,5200,368000,0,4.00,873000,0,4.00,1620000,4,200000,18510,"I am an Advanced Investor (3+ properties)","Smart Property Investment",-11982,735,13247,0,12,10,79,"Based on your financial information, we estimate that your risk position requires a buffer size of $32,277 - $80,774","Should interest rates rise by 1%, your total repayment will increase by $12,410 per year. If your interest rate rises by 2%, your repayment will increase by $24,820 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","5Years / 9 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-12,"2019-03-12 05:01:29"
1133,"Qian Zhang",NSW,janeqz@yahoo.com.au,married/defacto,0,"Other(Living Rent Free)",0,,4670,fortnight,0,week,1377,week,0,week,0,6000,1950,0,0,4.49,1850000,1850000,5.40,2700000,7,350000,38142,"I am an Advanced Investor (3+ properties)","Smart Property Investment",-44020,-8432,0,0,23,5,73,"Based on your financial information, we estimate that your risk position requires a buffer size of $58,260 - $137,118","Should interest rates rise by 1%, your total repayment will increase by $18,500 per year. If your interest rate rises by 2%, your repayment will increase by $37,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $33,929 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","6Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-12,"2019-03-12 00:12:07"
1132,"Stephen Back",VIC,stephen.back1@gmail.com,married/defacto,0,home,0,,18200,annual,0,week,20000,annual,68000,annual,0,0,3000,600000,0,3.89,400000,0,4.20,1385000,2,20000,10441,"I am looking to review my situation","Property Chat",-15228,-5106,0,0,10,23,67,"Based on your financial information, we estimate that your risk position requires a buffer size of $20,448 - $52,238","Should interest rates rise by 1%, your total repayment will increase by $10,000 per year. If your interest rate rises by 2%, your repayment will increase by $20,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 10 Months",,"Your risk position could be improved",,0,0,2019-03-11,"2019-03-11 23:34:03"
1131,"Jose Marajas",NSW,jemarajas@yahoo.com,married/defacto,2,renting,460,week,380,week,0,week,1150,week,700,week,0,6000,2000,0,0,4.49,397000,0,4.37,530000,1,38000,38917,"I am looking to review my situation","Property Chat",12190,14974,269535,219423,35,21,44,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,662 - $33,364","Should interest rates rise by 1%, your total repayment will increase by $3,970 per year. If your interest rate rises by 2%, your repayment will increase by $7,940 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-11,"2019-03-11 11:46:50"
1130,Tony,SA,tony.tt.vuong@gmail.com,single,0,"Other(Living Rent Free)",0,,0,week,0,fortnight,1800,fortnight,0,,0,2000,200,0,0,4.49,0,0,4.99,0,0,32000,43680,"I am a First Home Buyer","Property Chat",17280,17280,311040,311040,93,17,-10,"Based on your financial information, we estimate that your risk position requires a buffer size of $1,950 - $7,800","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-11,"2019-03-11 08:03:09"
1129,Matt,NSW,mattmara@live.com.au,single,0,home,0,,0,week,0,week,15000,month,0,,3000,0,2000,720000,0,4.49,0,0,4.99,1050000,1,200000,76274,"I am looking to review my situation",Other,56259,60542,1089758,1012679,42,18,40,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,415 - $52,217","Should interest rates rise by 1%, your total repayment will increase by $7,200 per year. If your interest rate rises by 2%, your repayment will increase by $14,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-11,"2019-03-11 01:04:22"
1128,Fgh,NSW,mattmara@live.com.au,single,0,renting,0870,week,0,week,0,week,10000,month,0,,0,20000,1000,720000,0,4.49,0,0,3.90,1020000,1,200000,11834,"I am looking to review my situation",Other,-15380,-11097,0,0,10,65,25,"Based on your financial information, we estimate that your risk position requires a buffer size of $15,142 - $42,702","Should interest rates rise by 1%, your total repayment will increase by $7,200 per year. If your interest rate rises by 2%, your repayment will increase by $14,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","13Years / 10 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-10,"2019-03-10 21:43:02"
1127,"John Vinci",NSW,Jvinci@tpg.com.au,married/defacto,1,renting,530,week,0,week,0,week,2150,week,1550,week,3300,0,1000,0,0,4.49,900000,900000,4.99,2400000,1,600000,83315,"I am a New Investor (1-3 properties)","Smart Property Investment",14161,36087,649574,254913,43,14,42,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,166 - $65,222","Should interest rates rise by 1%, your total repayment will increase by $9,000 per year. If your interest rate rises by 2%, your repayment will increase by $18,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $16,506 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-10,"2019-03-10 19:51:51"
1126,"Shane Higgins",QLD,Shane.higgins5460@gmail.com,married/defacto,0,home,0,,720,week,0,week,2600,fortnight,1300,fortnight,0,8000,5300,516000,0,3.89,504000,40,4.59,1400000,3,296000,2043,"I am looking to review my situation","Property Chat",-21317,-12991,0,0,2,15,83,"Based on your financial information, we estimate that your risk position requires a buffer size of $25,287 - $63,381","Should interest rates rise by 1%, your total repayment will increase by $10,200 per year. If your interest rate rises by 2%, your repayment will increase by $20,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $1 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","7Years / 6 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-10,"2019-03-10 11:33:09"
1125,"Anthony Cichonski",NSW,anthonycichonski@bigpond.com,married/defacto,0,home,0,,8333,month,0,week,9166,month,4500,month,1600,30000,3000,720000,720000,4.49,1500000,750000,4.99,3420000,5,25000,55353,"I am an Advanced Investor (3+ properties)","Smart Property Investment",-27534,13850,249300,0,23,13,64,"Based on your financial information, we estimate that your risk position requires a buffer size of $50,540 - $129,936","Should interest rates rise by 1%, your total repayment will increase by $22,200 per year. If your interest rate rises by 2%, your repayment will increase by $44,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $26,960 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 9 Months",,"Your risk position could be improved",,0,0,2019-03-08,"2019-03-08 10:04:19"
1124,"Thum Kanasu",NSW,xagugof@net-list.com,married/defacto,1,renting,3400,month,0,month,0,month,7000,month,4500,month,0,15000,5374,0,0,4.49,0,0,4.99,0,0,100000,27312,"I am looking to review my situation",Other,27312,27312,491616,491616,20,30,51,"Based on your financial information, we estimate that your risk position requires a buffer size of $5,750 - $23,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-08,"2019-03-08 06:33:41"
1123,"Johnnny Sing",VIC,go4singjs@gmail.com,married/defacto,3,home,0,,2989,month,350,fortnight,5368,month,240,week,0,4000,2000,293400,0,4.49,813462,448000,4.49,1820000,3,21000,32049,"I am a New Investor (1-3 properties)","Smart Property Investment",-13815,3816,68705,0,28,11,61,"Based on your financial information, we estimate that your risk position requires a buffer size of $25,009 - $63,300","Should interest rates rise by 1%, your total repayment will increase by $11,068 per year. If your interest rate rises by 2%, your repayment will increase by $22,137 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $8,216 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-07,"2019-03-07 20:15:04"
1122,"Jeannette Rollfink",VIC,jeannette@rockfeather.com.au,married/defacto,2,home,0,,40000,annual,0,annual,90000,annual,50000,annual,0,0,8000,400000,0,4.49,800000,500000,4.99,2000000,3,10000,8934,"None of the above",Other,-23191,-8202,0,0,5,10,84,"Based on your financial information, we estimate that your risk position requires a buffer size of $28,375 - $76,068","Should interest rates rise by 1%, your total repayment will increase by $12,000 per year. If your interest rate rises by 2%, your repayment will increase by $24,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $9,170 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 2 Months",,"You risk levels are high.",,0,0,2019-03-07,"2019-03-07 09:33:32"
1121,hari,VIC,hlucky1234@gmail.com,married/defacto,1,home,0,,0,month,0,month,6000,month,4600,month,200,9000,1000,390000,0,3.90,282000,0,4.00,1050000,2,10000,76025,"I am looking to review my situation",Twitter,29244,36468,656424,526402,60,12,28,"Based on your financial information, we estimate that your risk position requires a buffer size of $18,341 - $49,920","Should interest rates rise by 1%, your total repayment will increase by $6,720 per year. If your interest rate rises by 2%, your repayment will increase by $13,440 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-07,"2019-03-07 08:40:50"
1120,likk,VIC,hlucky1234@gmail.com,married/defacto,2,home,0,,0,month,0,month,7000,month,0,month,500,9000,1000,610000,0,4.00,0,0,4.99,0,1,10000,27813,"I am looking to review my situation",Twitter,-12375,-6123,0,0,33,29,38,"Based on your financial information, we estimate that your risk position requires a buffer size of $NaN - $NaN","Should interest rates rise by 1%, your total repayment will increase by $6,100 per year. If your interest rate rises by 2%, your repayment will increase by $12,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2019-03-07,"2019-03-07 08:26:30"
1119,"Dan Skye",NSW,Danniiskye@outlook.com,single,0,home,0,,120000,annual,0,week,75000,annual,0,,0,10000,3000,860000,0,3.22,1200000,0,3.22,3200000,4,500000,8684,"I am an Advanced Investor (3+ properties)","Smart Property Investment",-52773,-18110,0,0,5,16,79,"Based on your financial information, we estimate that your risk position requires a buffer size of $36,542 - $87,323","Should interest rates rise by 1%, your total repayment will increase by $20,600 per year. If your interest rate rises by 2%, your repayment will increase by $41,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","9Years / 8 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-07,"2019-03-07 05:01:36"
1118,A,NSW,akwarrier@hotmail.com,married/defacto,2,home,0,,30000,annual,0,week,50000,annual,200000,annual,500,4500,2000,70000,70000,4.00,730000,720000,4.99,900000,3,100000,206283,"None of the above",Other,152313,172440,3103923,2741648,75,1,24,"Based on your financial information, we estimate that your risk position requires a buffer size of $38,482 - $103,325","Should interest rates rise by 1%, your total repayment will increase by $8,000 per year. If your interest rate rises by 2%, your repayment will increase by $16,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $14,488 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-07,"2019-03-07 03:29:36"
1117,"Sue Costelloe",TAS,Sue.costelloe@hotmail.com,married/defacto,0,home,0,,1100,week,0,week,400,week,80,week,0,20000,6000,0,0,4.49,827000,0,4.28,1960000,5,380000,-60636,"I am looking to review my situation","Smart Property Investment",-79340,-72884,0,0,-86,0,186,"Based on your financial information, we estimate that your risk position requires a buffer size of $28,349 - $64,442","Should interest rates rise by 1%, your total repayment will increase by $8,270 per year. If your interest rate rises by 2%, your repayment will increase by $16,540 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","3Years / 6 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-07,"2019-03-07 01:18:16"
1116,Charles,WA,drcharlespng@gmail.com,married/defacto,4,renting,2000,month,50000,annual,0,annual,75000,annual,0,annual,1590,6000,4500,0,0,4.49,900000,0,4.99,1300000,3,40000,-41966,"I am looking to review my situation","Smart Property Investment",-57730,-56443,0,0,-36,21,116,"Based on your financial information, we estimate that your risk position requires a buffer size of $22,611 - $54,377","Should interest rates rise by 1%, your total repayment will increase by $9,000 per year. If your interest rate rises by 2%, your repayment will increase by $18,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 6 Months",,"Your risk position could be improved",,0,0,2019-03-07,"2019-03-07 00:01:50"
1115,Charles,WA,drcharlespng@gmail.com,married/defacto,4,renting,500,week,40000,annual,0,week,75000,annual,0,week,1400,20000,4500,0,0,4.49,1300000,0,4.99,1340000,3,30000,-70844,"I am looking to review my situation","Smart Property Investment",-93614,-91756,0,0,-66,24,142,"Based on your financial information, we estimate that your risk position requires a buffer size of $41,949 - $87,585","Should interest rates rise by 1%, your total repayment will increase by $13,000 per year. If your interest rate rises by 2%, your repayment will increase by $26,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 2 Months",,"You risk levels are high.",,0,0,2019-03-06,"2019-03-06 23:30:22"
1114,Charles,WA,drcharlespng@gmail.com,married/defacto,4,renting,500,week,40000,annual,0,week,75000,annual,0,annual,1400,20000,4500,0,0,4.49,1300000,0,4.99,1340000,4,30000,-70844,"I am an Advanced Investor (3+ properties)","Smart Property Investment",-93614,-91756,0,0,-66,24,142,"Based on your financial information, we estimate that your risk position requires a buffer size of $45,949 - $95,585","Should interest rates rise by 1%, your total repayment will increase by $13,000 per year. If your interest rate rises by 2%, your repayment will increase by $26,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 2 Months",,"You risk levels are high.",,0,0,2019-03-06,"2019-03-06 23:26:09"
1113,"Michael T",NSW,mt4onlineops@gmail.com,married/defacto,2,home,0,,0,week,0,week,8000,month,0,month,1500,10000,2000,450000,0,3.82,0,0,4.99,700000,1,30000,25177,"I am looking to review my situation",Media,362,5670,102077,6524,26,18,56,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,396 - $32,541","Should interest rates rise by 1%, your total repayment will increase by $4,500 per year. If your interest rate rises by 2%, your repayment will increase by $9,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 22:26:11"
1112,andrew,SA,rlyo7120@bigpond.net.au,married/defacto,0,home,0,,1570,week,0,week,1200,week,2400,fortnight,0,15000,10000,165000,165000,5.24,1110321,1110321,4.60,2170000,4,2000,-687,"I am an Advanced Investor (3+ properties)",Other,-51583,-15617,0,0,0,5,96,"Based on your financial information, we estimate that your risk position requires a buffer size of $35,570 - $93,291","Should interest rates rise by 1%, your total repayment will increase by $12,753 per year. If your interest rate rises by 2%, your repayment will increase by $25,506 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $23,390 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 0 Months",,"You risk levels are high.",,0,0,2019-03-06,"2019-03-06 21:09:39"
1111,"darryal abe",NSW,darryal@hotmail.com,single,0,home,0,,190,week,0,week,2930,fortnight,0,,30,6000,550,605000,0,4.04,125000,0,3.99,1500000,2,7500,32140,"I am looking to review my situation","Smart Property Investment",-37,7245,130411,0,38,29,33,"Based on your financial information, we estimate that your risk position requires a buffer size of $14,901 - $40,516","Should interest rates rise by 1%, your total repayment will increase by $7,300 per year. If your interest rate rises by 2%, your repayment will increase by $14,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 19:46:10"
1110,"Vin McGrath",SA,vmcgrath@hotmail.com,single,0,home,0,,0,week,0,week,2000,week,0,,0,0,800,248000,248000,4.49,0,0,4.99,350000,1,90000,83265,"I am looking to review my situation","Smart Property Investment",58489,66080,1189457,1052806,80,11,9,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,596 - $33,855","Should interest rates rise by 1%, your total repayment will increase by $2,480 per year. If your interest rate rises by 2%, your repayment will increase by $4,960 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $4,548 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 13:31:08"
1109,"Sarah Khuu",NSW,Khuu18@hotmail.com,married/defacto,1,"Other(Living Rent Free)",0,,1420,week,0,week,8000,month,1300,fortnight,6089,15000,3000,0,0,4.80,1526000,1358000,4.80,1950000,3,70000,2194,"I am looking to review my situation","Smart Property Investment",-67386,-30546,0,0,1,4,95,"Based on your financial information, we estimate that your risk position requires a buffer size of $38,479 - $103,831","Should interest rates rise by 1%, your total repayment will increase by $15,260 per year. If your interest rate rises by 2%, your repayment will increase by $30,520 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $24,906 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 11:46:00"
1108,"Sue Costelloe",TAS,Sue.costelloe@hotmail.com,married/defacto,0,home,0,,1100,week,0,annual,400,week,80,week,0,20000,6000,0,0,4.49,827000,0,4.28,1960000,5,380000,-60636,"I am looking to review my situation","Smart Property Investment",-79340,-72884,0,0,-86,0,186,"Based on your financial information, we estimate that your risk position requires a buffer size of $28,349 - $64,442","Should interest rates rise by 1%, your total repayment will increase by $8,270 per year. If your interest rate rises by 2%, your repayment will increase by $16,540 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","3Years / 6 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 10:57:16"
1107,Julian,NT,Julian_ash@hotmail.com,married/defacto,0,renting,240,week,75000,annual,0,week,1500,week,750,week,0,0,1800,0,0,4.49,1540000,340000,4.99,2020000,4,75000,52181,"I am looking to review my situation","Smart Property Investment",-1762,8235,148240,0,29,7,63,"Based on your financial information, we estimate that your risk position requires a buffer size of $36,928 - $93,837","Should interest rates rise by 1%, your total repayment will increase by $15,400 per year. If your interest rate rises by 2%, your repayment will increase by $30,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $6,235 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","8Years / 3 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 10:39:00"
1106,ilogan,VIC,karaan84@gmail.com,married/defacto,0,renting,1950,month,1820,week,0,week,3900,fortnight,6500,month,0,15000,1000,0,0,4.49,2400000,1800000,4.20,3250000,5,160000,115449,"I am an Advanced Investor (3+ properties)","Smart Property Investment",-14984,51747,931446,0,45,9,46,"Based on your financial information, we estimate that your risk position requires a buffer size of $57,421 - $149,252","Should interest rates rise by 1%, your total repayment will increase by $24,000 per year. If your interest rate rises by 2%, your repayment will increase by $48,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $33,012 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 10:38:13"
1105,Jj,NSW,jessiefalz@gmail.com,single,0,home,0,,2000,month,0,week,2400,fortnight,0,,1800,5000,600,367000,0,3.89,0,0,4.99,0,2,0,23149,"I am Looking to upgrade my home in future",Twitter,52,4162,74919,953,28,17,54,"Based on your financial information, we estimate that your risk position requires a buffer size of $NaN - $NaN","Should interest rates rise by 1%, your total repayment will increase by $3,670 per year. If your interest rate rises by 2%, your repayment will increase by $7,340 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2019-03-06,"2019-03-06 10:34:34"
1104,Charles,WA,drcharlespng@gmail.com,married/defacto,4,renting,500,week,40000,annual,0,annual,75000,annual,0,annual,1400,20000,4500,1300000,0,4.49,1300000,0,4.99,1340000,3,30000,-149794,"I am looking to review my situation","Smart Property Investment",-200033,-190443,0,0,-140,79,161,"Based on your financial information, we estimate that your risk position requires a buffer size of $226,423 - $318,841","Should interest rates rise by 1%, your total repayment will increase by $26,000 per year. If your interest rate rises by 2%, your repayment will increase by $52,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 0 Months",,"You risk levels are high.",,0,0,2019-03-06,"2019-03-06 08:23:14"
1103,Charles,VIC,pngcharles@gmail.com,married/defacto,4,renting,500,week,40000,annual,0,annual,80000,annual,0,annual,1000,10000,4500,0,0,4.49,1300000,0,4.99,1400000,3,40000,-57444,"I am looking to review my situation","Smart Property Investment",-80214,-78356,0,0,-51,23,128,"Based on your financial information, we estimate that your risk position requires a buffer size of $38,779 - $84,557","Should interest rates rise by 1%, your total repayment will increase by $13,000 per year. If your interest rate rises by 2%, your repayment will increase by $26,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 4 Months",,"You risk levels are high.",,0,0,2019-03-06,"2019-03-06 08:17:12"
1102,Gopal,QLD,gopals@xtra.co.nz,married/defacto,0,home,0,,160000,annual,0,week,150000,annual,100000,annual,0,40000,15000,2450000,2250000,4.42,1426000,1334000,4.05,7500000,6,300000,-10843,"None of the above",Other,-174785,-53549,0,0,-3,29,74,"Based on your financial information, we estimate that your risk position requires a buffer size of $72,458 - $203,805","Should interest rates rise by 1%, your total repayment will increase by $38,760 per year. If your interest rate rises by 2%, your repayment will increase by $77,520 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $65,732 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 1 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 07:36:14"
1101,"Jason Marsh",WA,jason.marsh@iinet.net.au,married/defacto,3,home,0,,900,week,0,fortnight,120000,annual,2200,month,0,30000,10000,730000,0,4.49,820000,360000,4.99,1700000,4,10000,-39056,"I am looking to review my situation","Smart Property Investment",-75799,-62030,0,0,-21,18,103,"Based on your financial information, we estimate that your risk position requires a buffer size of $50,077 - $115,796","Should interest rates rise by 1%, your total repayment will increase by $15,500 per year. If your interest rate rises by 2%, your repayment will increase by $31,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $6,602 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 1 Months",,"You risk levels are high.",,0,0,2019-03-06,"2019-03-06 07:20:20"
1100,"John Chandler",QLD,keagraphics@hotmail.com,single,0,home,0,,840,annual,0,week,13990,annual,0,,100,8000,800,0,0,4.49,250000,250000,4.99,970000,3,150000,-7579,"I am an Advanced Investor (3+ properties)",Twitter,-28188,-22097,0,0,-52,0,152,"Based on your financial information, we estimate that your risk position requires a buffer size of $14,110 - $32,795","Should interest rates rise by 1%, your total repayment will increase by $2,500 per year. If your interest rate rises by 2%, your repayment will increase by $5,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $4,585 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","4Years / 10 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 07:06:34"
1099,Jason,VIC,Jcm4@live.com.au,married/defacto,3,home,0,,460,week,250,fortnight,2750,fortnight,0,week,0,15000,4000,5000,0,4.49,270000,0,4.99,1550000,2,50000,23474,"I am a New Investor (1-3 properties)","Smart Property Investment",18639,19055,342991,335508,24,0,76,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,054 - $30,850","Should interest rates rise by 1%, your total repayment will increase by $2,750 per year. If your interest rate rises by 2%, your repayment will increase by $5,500 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 07:03:45"
1098,Andrey,QLD,ab@baa-impex.com.au,single,0,"Other(Living Rent Free)",0,,150000,annual,0,week,750,month,0,,0,11000,2000,0,0,6.00,370000,370000,6.00,3080000,6,0,40601,"I am an Advanced Investor (3+ properties)","Smart Property Investment",22907,27250,490509,412341,31,6,62,"Based on your financial information, we estimate that your risk position requires a buffer size of $36,482 - $79,441","Should interest rates rise by 1%, your total repayment will increase by $3,700 per year. If your interest rate rises by 2%, your repayment will increase by $7,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $6,785 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 0 Months",,"You risk levels are high.",,0,0,2019-03-06,"2019-03-06 06:50:34"
1097,"Marcel Fehlbaum",NSW,marcel_fehlbaum@yahoo.com.au,married/defacto,0,renting,450,week,5300,month,0,week,56900,annual,18255,annual,0,5000,3600,0,0,0.10,790000,790000,4.09,1500000,4,40000,19652,"I am an Advanced Investor (3+ properties)","Smart Property Investment",-16559,11574,208334,0,16,19,66,"Based on your financial information, we estimate that your risk position requires a buffer size of $27,280 - $68,746","Should interest rates rise by 1%, your total repayment will increase by $7,900 per year. If your interest rate rises by 2%, your repayment will increase by $15,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $14,488 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 06:47:05"
1096,Suman,VIC,suman_kalyan_2000@yahoo.com,married/defacto,2,home,0,,2512,month,0,week,6225,month,4520,month,0,8000,3110,325000,0,4.00,715000,0,3.88,1400000,2,150000,56847,"I am a New Investor (1-3 properties)","Smart Property Investment",26021,37419,673555,468391,37,8,54,"Based on your financial information, we estimate that your risk position requires a buffer size of $22,844 - $61,473","Should interest rates rise by 1%, your total repayment will increase by $10,400 per year. If your interest rate rises by 2%, your repayment will increase by $20,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 05:11:19"
1095,Majimbo,QLD,Majimbogold@gmail.com,single,2,renting,2000,fortnight,0,annual,0,week,220000,annual,0,,1000,12000,3000,0,0,4.49,0,0,4.99,0,0,150000,115680,"I am a New Investor (1-3 properties)","Smart Property Investment",115680,115680,2082240,2082240,53,24,24,"Based on your financial information, we estimate that your risk position requires a buffer size of $9,166 - $36,666","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 04:41:22"
1094,"John Smith",NSW,Psyber81@yahoo.com.au,married/defacto,4,home,0,,600000,annual,0,week,2000,fortnight,0,week,0,70000,1000,500000,0,3.89,7000000,0,4.50,13000000,25,2000000,-20131,"I am an Advanced Investor (3+ properties)","Smart Property Investment",-205408,-158801,0,0,-4,4,100,"Based on your financial information, we estimate that your risk position requires a buffer size of $193,049 - $426,232","Should interest rates rise by 1%, your total repayment will increase by $75,000 per year. If your interest rate rises by 2%, your repayment will increase by $150,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","6Years / 1 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 04:29:55"
1093,"Lachlan Gelder",NSW,lgelder@scentregroup.com,single,2,home,0,,40000,annual,0,week,17500,month,0,,0,42000,7500,1250000,1250000,3.50,945000,680000,4.20,3400000,3,10000,52914,"I am a New Investor (1-3 properties)",Facebook,-48321,30948,557069,0,22,18,60,"Based on your financial information, we estimate that your risk position requires a buffer size of $46,254 - $127,315","Should interest rates rise by 1%, your total repayment will increase by $21,950 per year. If your interest rate rises by 2%, your repayment will increase by $43,900 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $35,397 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 4 Months",,"You risk levels are high.",,0,0,2019-03-06,"2019-03-06 04:28:00"
1092,"John Smith",NSW,Psyber81@yahoo.com.au,married/defacto,4,home,0,,600000,annual,0,week,2000,fortnight,0,week,0,70000,1000,500000,0,3.79,7000000,0,4.40,13000000,25,2000000,-14812,"I am an Advanced Investor (3+ properties)","Smart Property Investment",-205408,-152153,0,0,-3,4,99,"Based on your financial information, we estimate that your risk position requires a buffer size of $193,049 - $426,232","Should interest rates rise by 1%, your total repayment will increase by $75,000 per year. If your interest rate rises by 2%, your repayment will increase by $150,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","6Years / 2 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 04:25:47"
1091,"Benjamin Scholz",VIC,benscholz888@gmail.com,married/defacto,1,home,0,,0,week,0,week,1414,week,2400,fortnight,0,48000,2000,210000,0,4.15,0,0,4.99,640000,1,15000,82398,"I am looking to review my situation",Other,59457,61335,1104043,1070228,61,6,33,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,215 - $33,460","Should interest rates rise by 1%, your total repayment will increase by $2,100 per year. If your interest rate rises by 2%, your repayment will increase by $4,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 04:16:58"
1090,"Chay Ryan",VIC,chay.ryan@gmail.com,married/defacto,2,renting,2600,month,2000,month,1000,month,3000,fortnight,1000,week,0,6000,10000,350000,350000,5.00,650000,420000,4.50,1300000,2,10000,-38826,"I am a New Investor (1-3 properties)","Smart Property Investment",-74056,-51422,0,0,-24,30,94,"Based on your financial information, we estimate that your risk position requires a buffer size of $26,466 - $73,202","Should interest rates rise by 1%, your total repayment will increase by $10,000 per year. If your interest rate rises by 2%, your repayment will increase by $20,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $14,122 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 1 Months",,"You risk levels are high.",,0,0,2019-03-06,"2019-03-06 04:14:26"
1089,simon,NSW,fiftythepark@bigpond.com,married/defacto,3,home,0,,50000,annual,0,annual,72000,annual,72000,annual,2500,15000,5000,500000,250000,5.50,0,0,5.55,900000,1,20000,43016,"I am Looking to upgrade my home in future","Smart Property Investment",31650,35320,635767,569709,23,15,62,"Based on your financial information, we estimate that your risk position requires a buffer size of $14,237 - $44,149","Should interest rates rise by 1%, your total repayment will increase by $5,000 per year. If your interest rate rises by 2%, your repayment will increase by $10,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $4,585 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 04:10:08"
1088,heat,TAS,acollectorschoice@gmail.com,married/defacto,2,home,0,,125000,annual,3000,annual,3000,fortnight,1700,fortnight,90,12500,3300,100000,0,4.10,1400000,0,4.40,2400000,9,90000,76404,"I am an Advanced Investor (3+ properties)","Smart Property Investment",41138,51522,927400,740488,34,2,64,"Based on your financial information, we estimate that your risk position requires a buffer size of $52,193 - $120,765","Should interest rates rise by 1%, your total repayment will increase by $15,000 per year. If your interest rate rises by 2%, your repayment will increase by $30,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","12Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 04:03:09"
1087,"Kerri adair",QLD,Kerri.adair65@gmail.com,married/defacto,0,renting,850,week,0,week,0,week,4000,fortnight,0,week,450,40000,2580,0,0,4.49,0,0,4.99,0,0,150000,9040,"I am looking to review my situation","Smart Property Investment",-2000,-2000,0,0,9,43,49,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,333 - $17,333","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 03:56:18"
1086,gbl,NSW,geoffreylevey@gmail.com,single,0,renting,1280,fortnight,3094,week,0,week,3841,fortnight,0,,0,11000,3000,0,0,4.00,2371000,934000,4.65,3252000,7,50000,14843,"I am an Advanced Investor (3+ properties)","Smart Property Investment",-51455,-18243,0,0,6,15,79,"Based on your financial information, we estimate that your risk position requires a buffer size of $60,802 - $144,389","Should interest rates rise by 1%, your total repayment will increase by $23,710 per year. If your interest rate rises by 2%, your repayment will increase by $47,420 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $17,129 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 7 Months",,"Your risk position could be improved",,0,0,2019-03-06,"2019-03-06 03:55:38"
1085,"Yousseff Bardouh",NSW,ybardouh@iinet.net.au,married/defacto,3,home,0,,280000,annual,0,week,120000,annual,75000,annual,500,25000,8000,0,0,4.49,2800000,2800000,4.99,9800000,8,50000,132020,"I am an Advanced Investor (3+ properties)","Smart Property Investment",28876,97090,1747620,519784,32,0,68,"Based on your financial information, we estimate that your risk position requires a buffer size of $61,326 - $176,026","Should interest rates rise by 1%, your total repayment will increase by $28,000 per year. If your interest rate rises by 2%, your repayment will increase by $56,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $51,353 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 03:54:02"
1084,"Park Yuen",QLD,p.yuen@vivaenergy.com.au,married/defacto,0,home,0,,2420,week,6000,annual,8250,month,800,month,0,9000,6000,260000,0,4.00,1837000,0,4.40,3040000,8,200000,8086,"I am an Advanced Investor (3+ properties)","Smart Property Investment",-38293,-23234,0,0,4,5,91,"Based on your financial information, we estimate that your risk position requires a buffer size of $55,061 - $126,012","Should interest rates rise by 1%, your total repayment will increase by $20,970 per year. If your interest rate rises by 2%, your repayment will increase by $41,940 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 03:51:39"
1083,"John Conroy",VIC,curcraft@bigpond.net.au,married/defacto,0,home,0,,15000,annual,0,week,40000,annual,30000,annual,0,25000,40000,0,0,4.49,0,0,4.99,400000,1,200000,-411440,"I am a New Investor (1-3 properties)","Smart Property Investment",-411440,-411440,0,0,-502,0,602,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,916 - $19,666","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 5 Months",,"You risk levels are high.",,0,0,2019-03-06,"2019-03-06 03:40:28"
1082,"Tanya Christiansen",NSW,t.christiansen@live.com,single,1,home,0,,580,week,0,week,2200,fortnight,0,,0,10000,1750,330000,330000,4.69,540000,540000,4.43,1460000,2,2000,17393,"I am looking to review my situation","Smart Property Investment",-18669,7542,135772,0,21,19,60,"Based on your financial information, we estimate that your risk position requires a buffer size of $20,298 - $53,283","Should interest rates rise by 1%, your total repayment will increase by $8,700 per year. If your interest rate rises by 2%, your repayment will increase by $17,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $15,956 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 1 Months",,"You risk levels are high.",,0,0,2019-03-06,"2019-03-06 03:31:55"
1081,"Maria Toman",NSW,perbus@tpg.com.au,single,1,home,0,,4500,annual,0,week,95000,annual,0,,0,14000,2500,650000,0,0.10,68000,0,5.06,780000,2,7000,36956,"I am looking to review my situation","Smart Property Investment",4583,30354,546379,82510,37,2,60,"Based on your financial information, we estimate that your risk position requires a buffer size of $24,546 - $57,502","Should interest rates rise by 1%, your total repayment will increase by $7,180 per year. If your interest rate rises by 2%, your repayment will increase by $14,360 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","3Years / 8 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 03:28:54"
1080,Drew,NSW,drew_damac@hotmail.com,married/defacto,0,home,0,,211000,annual,0,week,220000,annual,60000,annual,0,6000,1000,1000000,0,3.81,4138000,4138000,4.79,5800000,10,300000,186888,"I am an Advanced Investor (3+ properties)","Smart Property Investment",-35696,87339,1572118,0,42,8,50,"Based on your financial information, we estimate that your risk position requires a buffer size of $149,591 - $354,556","Should interest rates rise by 1%, your total repayment will increase by $51,380 per year. If your interest rate rises by 2%, your repayment will increase by $102,760 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $75,892 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","5Years / 2 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 03:28:43"
1079,heath,TAS,chiefo1234@gmail.com,married/defacto,2,home,0,,120000,annual,2000,annual,115000,annual,70000,annual,100,15000,3900,100000,0,4.10,1400000,0,4.50,2400000,9,85000,126468,"I am an Advanced Investor (3+ properties)","Smart Property Investment",93398,102538,1845685,1681168,45,1,54,"Based on your financial information, we estimate that your risk position requires a buffer size of $54,607 - $130,825","Should interest rates rise by 1%, your total repayment will increase by $15,000 per year. If your interest rate rises by 2%, your repayment will increase by $30,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 03:22:15"
1078,"Vikash Jamnadas",QLD,viraja_krsna@yahoo.com.au,married/defacto,2,home,0,,3440,week,0,week,3200,week,0,week,1200,19000,2500,707000,707000,4.49,2700000,2700000,5.40,4670000,6,250000,72726,"I am an Advanced Investor (3+ properties)","Smart Property Investment",-63241,10340,186122,0,23,10,66,"Based on your financial information, we estimate that your risk position requires a buffer size of $77,307 - $198,795","Should interest rates rise by 1%, your total repayment will increase by $34,070 per year. If your interest rate rises by 2%, your repayment will increase by $68,140 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $62,485 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","4Years / 2 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 03:20:08"
1077,"Damian Shanahan",VIC,Dshanahan@ggs.vic.edu.au,married/defacto,2,home,0,,0,week,0,week,6100,month,2800,month,500,6000,3000,452000,0,3.99,0,0,4.99,780000,1,10000,36776,"I am looking to review my situation","Smart Property Investment",19638,24310,437585,353497,34,17,49,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,413 - $33,868","Should interest rates rise by 1%, your total repayment will increase by $4,520 per year. If your interest rate rises by 2%, your repayment will increase by $9,040 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 03:17:58"
1076,T,VIC,sstleo@inbox.ru,single,0,home,0,,0,week,5000,annual,500,week,0,,50,1500,500,308000,0,4.49,0,0,4.99,450000,1,30000,5155,"I am looking to review my situation","Smart Property Investment",-16353,-14521,0,0,17,45,39,"Based on your financial information, we estimate that your risk position requires a buffer size of $7,607 - $18,408","Should interest rates rise by 1%, your total repayment will increase by $3,080 per year. If your interest rate rises by 2%, your repayment will increase by $6,160 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","4Years / 1 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 03:14:42"
1075,Yong,VIC,scy2812@hotmail.com,single,0,home,0,,530,week,0,week,5000,month,0,,800,45000,1000,0,0,3.96,460000,460000,4.70,1500000,4,50000,22129,"I am an Advanced Investor (3+ properties)","Smart Property Investment",-5149,7724,139036,0,27,0,73,"Based on your financial information, we estimate that your risk position requires a buffer size of $21,664 - $54,297","Should interest rates rise by 1%, your total repayment will increase by $4,600 per year. If your interest rate rises by 2%, your repayment will increase by $9,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $8,436 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","3Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 03:13:06"
1074,"ben byford",NSW,ben.byford@cbre.com.au,married/defacto,2,home,0,,750,week,0,week,17000,month,1400,fortnight,8000,12000,2000,1300000,0,3.89,750000,750000,4.69,3580000,2,10000,39558,"I am looking to review my situation","Smart Property Investment",-47248,-11608,0,0,15,19,67,"Based on your financial information, we estimate that your risk position requires a buffer size of $34,671 - $102,720","Should interest rates rise by 1%, your total repayment will increase by $20,500 per year. If your interest rate rises by 2%, your repayment will increase by $41,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $13,755 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 4 Months",,"You risk levels are high.",,0,0,2019-03-06,"2019-03-06 03:11:59"
1073,heath,TAS,chiefo1234@gmail.com,married/defacto,2,home,0,,120000,annual,2000,annual,5000,month,10,annual,150,15000,2000,100000,0,4.10,1400000,300000,4.50,2400000,9,79000,28419,"I am an Advanced Investor (3+ properties)","Smart Property Investment",-22854,-6326,0,0,18,3,79,"Based on your financial information, we estimate that your risk position requires a buffer size of $56,772 - $126,116","Should interest rates rise by 1%, your total repayment will increase by $15,000 per year. If your interest rate rises by 2%, your repayment will increase by $30,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $5,502 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 3 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-06,"2019-03-06 03:10:03"
1072,Nick,VIC,Nickedoff@gmail.com,married/defacto,1,home,0,,1635,week,0,week,2882,fortnight,0,week,0,0,1000,0,0,4.49,0,0,4.99,0,0,50000,105782,"I am looking to review my situation",Other,80582,80582,1450477,1450477,74,0,26,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,122 - $12,488","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-05,"2019-03-05 23:28:05"
1071,"Miaoli Zhang",SA,zhangmiaoli@hotmail.com,married/defacto,1,home,0,,1700,week,0,week,96000,annual,20000,annual,0,6000,3000,270000,0,3.84,1280000,540000,4.19,2650000,5,120000,62536,"None of the above","Property Chat",8187,36243,652380,147383,33,6,61,"Based on your financial information, we estimate that your risk position requires a buffer size of $37,599 - $94,575","Should interest rates rise by 1%, your total repayment will increase by $15,500 per year. If your interest rate rises by 2%, your repayment will increase by $31,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $9,903 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","112Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-05,"2019-03-05 09:15:51"
1070,Yulia,VIC,admin@confidencefinance.com.au,married/defacto,1,home,0,,755,week,0,week,79500,annual,300,week,0,0,2500,185000,0,3.90,973000,973000,4.00,1900000,3,10000,51696,"I am looking to review my situation",Other,-5651,32148,578676,0,41,6,53,"Based on your financial information, we estimate that your risk position requires a buffer size of $28,556 - $74,522","Should interest rates rise by 1%, your total repayment will increase by $11,580 per year. If your interest rate rises by 2%, your repayment will increase by $23,160 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $17,845 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-05,"2019-03-05 05:38:12"
1069,Miro,NSW,jaromirkonik@gmail.com,married/defacto,0,home,0,,430,week,0,week,1350,week,1000,week,0,0,2500,0,0,0.10,460000,0,4.10,1150000,2,100000,84456,"I am looking to review my situation",Other,61472,65787,1184179,1106501,60,0,40,"Based on your financial information, we estimate that your risk position requires a buffer size of $14,816 - $43,102","Should interest rates rise by 1%, your total repayment will increase by $4,600 per year. If your interest rate rises by 2%, your repayment will increase by $9,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-05,"2019-03-05 04:54:11"
1068,"Sandeep R",VIC,sriradhes@gmail.com,married/defacto,2,home,0,,3954,month,0,week,109000,annual,63000,annual,0,0,3200,610000,0,4.49,1100000,0,4.99,0,2240000,25000,68003,"None of the above",Other,26246,31446,566040,472431,32,13,55,"Based on your financial information, we estimate that your risk position requires a buffer size of $NaN - $NaN","Should interest rates rise by 1%, your total repayment will increase by $17,100 per year. If your interest rate rises by 2%, your repayment will increase by $34,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2019-03-05,"2019-03-05 04:46:20"
1067,"Harrison C",VIC,eurostardieselssunshine@gmail.com,single,0,"Other(Living Rent Free)",0,,56000,annual,0,week,1169,week,0,,0,0,1000,0,0,4.49,840000,840000,4.70,1100000,2,50000,51518,"I am a New Investor (1-3 properties)",Other,1339,24848,447264,24103,49,7,44,"Based on your financial information, we estimate that your risk position requires a buffer size of $22,306 - $58,303","Should interest rates rise by 1%, your total repayment will increase by $8,400 per year. If your interest rate rises by 2%, your repayment will increase by $16,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $15,405 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-05,"2019-03-05 04:41:57"
1066,"Edi Vancina",VIC,edivancina@live.com,married/defacto,0,home,0,,18000,annual,0,week,1200,week,1500,week,1000,21000,3000,180000,0,4.33,220000,0,4.30,1000000,1,50000,73783,,,58830,61835,1113031,1058949,48,5,47,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,350 - $37,258","Should interest rates rise by 1%, your total repayment will increase by $4,000 per year. If your interest rate rises by 2%, your repayment will increase by $8,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-05,"2019-03-05 04:28:48"
1065,"Edi Vancina",VIC,edivancina@live.com,married/defacto,0,home,0,,18000,annual,0,week,1200,week,1500,week,1000,21000,3000,180000,0,4.33,220000,0,4.30,1000000,1,50000,73783,,,58830,61835,1113031,1058949,48,5,47,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,350 - $37,258","Should interest rates rise by 1%, your total repayment will increase by $4,000 per year. If your interest rate rises by 2%, your repayment will increase by $8,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-05,"2019-03-05 04:27:51"
1064,"Senthil Kumar",NSW,emsenthil@gmail.com,married/defacto,1,renting,585,week,0,week,0,week,9000,month,1500,month,800,15000,3500,0,0,4.49,0,0,4.99,0,0,150000,38580,"I am a First Home Buyer","Property Chat",38580,38580,694440,694440,31,24,45,"Based on your financial information, we estimate that your risk position requires a buffer size of $5,250 - $21,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-05,"2019-03-05 04:20:41"
1063,Newton,NSW,Isaac@newton.com,married/defacto,0,renting,2120,month,0,week,10000,annual,8800,month,0,week,0,7000,2500,0,0,4.49,0,0,4.99,0,0,170000,57640,"I am a First Home Buyer",Other,45640,45640,821520,821520,50,22,28,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,400 - $17,600","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-03-01,"2019-03-01 20:40:56"
1062,Scam,NSW,fred.nerks@yahoo.com,single,0,home,0,,0,week,9,week,8000,month,0,,2500,6000,3000,500000,0,4.00,0,0,4.99,800000,1,30000,-337,"None of the above",,-12622,-7498,0,0,0,21,80,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,633 - $33,331","Should interest rates rise by 1%, your total repayment will increase by $5,000 per year. If your interest rate rises by 2%, your repayment will increase by $10,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-01,"2019-03-01 10:38:37"
1061,Scam,NSW,"private.bis @yahoo.com",single,0,home,0,,0,week,9,week,8000,month,0,,2500,6000,3000,500000,0,4.00,0,0,4.99,800000,1,30000,-337,"None of the above",,-12622,-7498,0,0,0,21,80,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,633 - $33,331","Should interest rates rise by 1%, your total repayment will increase by $5,000 per year. If your interest rate rises by 2%, your repayment will increase by $10,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-01,"2019-03-01 10:37:32"
1060,Scam,NSW,"private.bis @private.com",single,0,home,0,,0,week,9,week,8000,month,0,,2500,6000,3000,500000,0,4.00,0,0,4.99,800000,1,30000,-337,"None of the above",,-12622,-7498,0,0,0,21,80,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,633 - $33,331","Should interest rates rise by 1%, your total repayment will increase by $5,000 per year. If your interest rate rises by 2%, your repayment will increase by $10,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-01,"2019-03-01 10:36:33"
1059,Scam,NSW,"private @private.com",single,0,home,0,,0,week,9,week,8000,month,0,,2500,6000,3000,500000,0,4.00,0,0,4.99,800000,1,30000,-337,"None of the above",,-12622,-7498,0,0,0,21,80,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,633 - $33,331","Should interest rates rise by 1%, your total repayment will increase by $5,000 per year. If your interest rate rises by 2%, your repayment will increase by $10,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2019-03-01,"2019-03-01 10:34:52"
1058,"ben w",VIC,bwilson@spinach.com.au,married/defacto,1,home,0,,0,week,0,week,8550,month,6600,month,0,20000,4500,1300000,0,3.75,0,0,4.99,2430000,1,50000,48354,"I am looking to review my situation","Property Chat",14180,30292,545264,255249,27,27,47,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,192 - $60,470","Should interest rates rise by 1%, your total repayment will increase by $13,000 per year. If your interest rate rises by 2%, your repayment will increase by $26,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-26,"2019-02-26 01:50:04"
1057,A,ACT,nothanks@gmail.com,married/defacto,2,renting,680,fortnight,760,week,0,week,118000,annual,61383,annual,0,7000,7000,0,0,4.49,590000,0,4.40,720000,2,350000,69471,"I am a New Investor (1-3 properties)","Property Chat",56626,60607,1090930,1019276,33,8,59,"Based on your financial information, we estimate that your risk position requires a buffer size of $22,091 - $62,730","Should interest rates rise by 1%, your total repayment will increase by $5,900 per year. If your interest rate rises by 2%, your repayment will increase by $11,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-22,"2019-02-22 03:48:44"
1056,555,NT,test@gamdf.kjkh,single,55,home,0,,55,week,55,week,55,week,0,,55,555,5555,555,55,4.49,55,55,4.99,5,55,55,-60393,"I am looking to review my situation",Other,-60407,-60401,0,0,-754,0,854,"Based on your financial information, we estimate that your risk position requires a buffer size of $224,745 - $445,774","Should interest rates rise by 1%, your total repayment will increase by $6 per year. If your interest rate rises by 2%, your repayment will increase by $12 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $2 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 0 Months",,"You risk levels are high.",,0,0,2019-02-21,"2019-02-21 12:09:32"
1055,Edi,VIC,edivancina@live.com,married/defacto,0,home,0,,18000,annual,0,annual,1200,week,1600,week,0,21000,3500,200000,0,4.49,230000,0,4.99,1150000,2,50000,81996,"I am looking to review my situation","Property Chat",73741,75259,1354670,1327341,51,6,43,"Based on your financial information, we estimate that your risk position requires a buffer size of $15,504 - $46,363","Should interest rates rise by 1%, your total repayment will increase by $4,300 per year. If your interest rate rises by 2%, your repayment will increase by $8,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-21,"2019-02-21 03:45:53"
1054,"Nicole Jolley",QLD,nicjolley@gmail.com,single,1,"Other(Living Rent Free)",0,,0,annual,25000,annual,25000,annual,0,,0,0,400,0,0,4.49,0,0,0.10,0,0,700000,45200,"I am a First Home Buyer","Property Chat",21200,21200,381600,381600,90,16,-6,"Based on your financial information, we estimate that your risk position requires a buffer size of $1,041 - $4,166","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-19,"2019-02-19 08:30:42"
1053,Edi,VIC,edivancina@live.com,married/defacto,0,home,0,,1500,month,0,annual,1200,week,1450,week,900,21000,4000,180000,0,4.49,230000,0,4.49,1250000,2,50000,59442,"I am looking to review my situation","Property Chat",50778,53216,957903,914011,39,5,56,"Based on your financial information, we estimate that your risk position requires a buffer size of $14,818 - $44,443","Should interest rates rise by 1%, your total repayment will increase by $4,100 per year. If your interest rate rises by 2%, your repayment will increase by $8,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-18,"2019-02-18 10:53:21"
1052,"Rob Low",NSW,roblow101@hotmail.com,married/defacto,1,renting,550,week,420,week,0,week,1177,week,403,week,0,15000,865,0,0,4.49,349500,349500,4.95,400000,1,150000,37306,"I am a New Investor (1-3 properties)","Property Chat",-2527,6161,110902,0,37,29,34,"Based on your financial information, we estimate that your risk position requires a buffer size of $14,130 - $37,827","Should interest rates rise by 1%, your total repayment will increase by $3,495 per year. If your interest rate rises by 2%, your repayment will increase by $6,990 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $6,410 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-18,"2019-02-18 10:31:45"
1051,"Rob Low",NSW,roblow101@hotmail.com,married/defacto,1,renting,550,week,420,week,0,week,60000,annual,20000,annual,0,15000,380,0,0,4.49,349500,349500,4.95,400000,1,150000,40966,"I am a New Investor (1-3 properties)","Property Chat",-4687,4001,72022,0,42,29,29,"Based on your financial information, we estimate that your risk position requires a buffer size of $14,040 - $37,467","Should interest rates rise by 1%, your total repayment will increase by $3,495 per year. If your interest rate rises by 2%, your repayment will increase by $6,990 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $6,410 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-18,"2019-02-18 10:23:02"
1050,"stef tucker",NSW,stef_tucker@hotmail.com,single,0,home,0,,150,month,0,week,1683,fortnight,0,,0,20000,3500,0,0,4.49,0,0,4.99,1000008,1,200000,-4535,"I am looking to review my situation","Property Chat",-4534,-4534,0,0,-10,0,110,"Based on your financial information, we estimate that your risk position requires a buffer size of $5,823 - $15,293","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","14Years / 1 Months",,"Your risk position is HEALTHY.",,0,0,2019-02-18,"2019-02-18 05:11:30"
1049,"Darren Giddy",VIC,darren.giddy2@gmail.com,married/defacto,0,renting,710,month,0,week,0,week,7125,month,0,annual,350,2000,1400,0,0,4.49,0,0,4.99,0,0,100000,55260,"I am a First Home Buyer","Property Chat",34860,34860,627480,627480,65,10,25,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,562 - $14,250","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-18,"2019-02-18 04:24:13"
1048,MoneyNoBrains,NSW,dontmail@gmail.com,married/defacto,0,renting,1060,fortnight,0,week,0,week,8500,month,0,annual,0,22000,2500,0,0,4.49,0,0,4.99,0,0,170000,36520,"I am a First Home Buyer","Property Chat",24520,24520,441360,441360,36,27,37,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,250 - $17,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-17,"2019-02-17 02:34:18"
1047,MoneyBrains,NSW,dontmailme@gmail.com,married/defacto,0,renting,1060,fortnight,0,week,10000,annual,8500,month,0,week,0,22000,2500,0,0,4.49,0,0,4.99,0,0,170000,46520,"I am a First Home Buyer","Property Chat",34520,34520,621360,621360,42,25,34,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,250 - $17,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-17,"2019-02-17 01:27:14"
1046,"Greg Kunikowski",QLD,hajmi1991@gmail.com,married/defacto,3,home,0,,0,annual,0,annual,10000,month,0,annual,3000,6000,4000,510000,0,4.00,0,0,4.99,850000,0,20000,4622,"I am a New Investor (1-3 properties)","Property Chat",-7909,-2682,0,0,4,17,79,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,507 - $29,290","Should interest rates rise by 1%, your total repayment will increase by $5,100 per year. If your interest rate rises by 2%, your repayment will increase by $10,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 8 Months",,"Your risk position is HEALTHY.",,0,0,2019-02-16,"2019-02-16 09:19:09"
1045,"greg greg",NSW,greg@greg.com,married/defacto,0,renting,2000,month,0,week,0,week,5200,month,45000,annual,0,0,3000,0,0,4.49,0,0,4.99,0,0,80000,47400,"I am a First Home Buyer",Other,41400,41400,745200,745200,44,22,34,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,475 - $17,900","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-16,"2019-02-16 08:01:59"
1044,"greg greg",NSW,greg@greg.com,married/defacto,0,renting,2000,month,0,week,0,week,5200,month,45000,annual,0,0,3000,0,0,4.49,0,0,4.99,0,0,80000,47400,"I am a First Home Buyer",Other,41400,41400,745200,745200,44,22,34,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,475 - $17,900","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-16,"2019-02-16 08:01:10"
1043,a,NSW,sd@gmail.com,married/defacto,3,renting,550,week,0,week,0,week,70000,annual,0,week,0,0,6000,0,0,0.10,0,0,4.99,0,0,0,-30600,"I am a First Home Buyer",Media,-30600,-30600,0,0,-44,41,103,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,916 - $11,666","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 0 Months",,"You risk levels are high.",,0,0,2019-02-16,"2019-02-16 07:06:52"
1042,"Reyner K",VIC,admin@confidencefinance.com.au,married/defacto,2,home,0,,1080,week,0,week,85783,annual,65000,annual,0,6000,3465,569000,0,4.00,1051000,1051000,4.79,2340000,4,130000,69906,"I am looking to review my situation","Property Chat",14687,48750,877513,264373,36,12,53,"Based on your financial information, we estimate that your risk position requires a buffer size of $40,575 - $103,764","Should interest rates rise by 1%, your total repayment will increase by $16,200 per year. If your interest rate rises by 2%, your repayment will increase by $32,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $19,275 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-15,"2019-02-15 00:40:25"
1041,"Reyner K",VIC,admin@confidencefinance.com.au,married/defacto,2,home,0,,1080,week,0,week,2661,fortnight,65000,annual,1265,6000,3465,569000,0,4.49,1051000,1051000,4.99,2340000,4,130000,34069,"I am looking to review my situation","Property Chat",-17089,11898,214177,0,19,14,67,"Based on your financial information, we estimate that your risk position requires a buffer size of $39,884 - $100,998","Should interest rates rise by 1%, your total repayment will increase by $16,200 per year. If your interest rate rises by 2%, your repayment will increase by $32,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $19,275 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","3Years / 10 Months",,"Your risk position is HEALTHY.",,0,0,2019-02-15,"2019-02-15 00:32:19"
1040,dgdgd,NSW,krishrandom1@yahoo.com,married/defacto,1,renting,2000,month,0,week,0,week,6700,month,5000,month,350,11000,1800,0,0,4.49,0,0,4.99,0,0,60000,86640,"I am a First Home Buyer","Property Chat",66240,66240,1192320,1192320,62,17,21,"Based on your financial information, we estimate that your risk position requires a buffer size of $5,850 - $23,400","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-14,"2019-02-14 09:32:23"
1039,Kerpluns,ACT,morganhitchcock@gmail.com,single,0,renting,760,fortnight,0,week,0,week,2950,fortnight,0,,900,6000,3870,0,0,4.49,0,0,4.99,0,0,25000,-2460,"I am a First Home Buyer",Other,-2459,-2459,0,0,-3,26,77,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,195 - $12,783","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 9 Months",,"Your risk position is HEALTHY.",,0,0,2019-02-14,"2019-02-14 05:29:46"
1038,"m W",NSW,mciwilson@bigpond.com,married/defacto,3,home,0,,0,annual,0,annual,11500,month,150000,annual,0,10000,4000,2400000,0,3.87,0,0,4.99,4000000,1,10000,101054,"None of the above",Other,39933,67217,1209916,718798,35,32,33,"Based on your financial information, we estimate that your risk position requires a buffer size of $32,500 - $99,715","Should interest rates rise by 1%, your total repayment will increase by $24,000 per year. If your interest rate rises by 2%, your repayment will increase by $48,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-11,"2019-02-11 09:19:37"
1037,"Gregory Brown",VIC,greg@kaliba.com.au,single,0,renting,1600,month,0,fortnight,0,fortnight,172000,annual,0,,0,6000,2500,0,0,4.49,0,0,4.99,0,0,80000,120640,"I am a New Investor (1-3 properties)","Property Chat",120640,120640,2171520,2171520,70,11,19,"Based on your financial information, we estimate that your risk position requires a buffer size of $7,166 - $28,666","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-11,"2019-02-11 05:03:09"
1036,"Stuart Moubray",QLD,sdmoub@gmail.com,married/defacto,1,renting,390,week,0,week,0,annual,2352,fortnight,600,fortnight,0,17000,1500,0,0,4.49,0,0,4.99,0,0,32000,32352,"I am a First Home Buyer","Property Chat",13152,13152,236736,236736,42,26,31,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,198 - $12,792","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-09,"2019-02-09 15:14:40"
1035,dsfsa,NSW,dsfasd@wdf.com,married/defacto,2,renting,500,week,1040,week,102,fortnight,9000,month,5776,month,1000,12000,3000,0,0,4.49,955000,955000,4.90,1250000,2,120000,98006,"I am a New Investor (1-3 properties)","Property Chat",49967,74307,1337531,899413,44,12,44,"Based on your financial information, we estimate that your risk position requires a buffer size of $28,779 - $82,153","Should interest rates rise by 1%, your total repayment will increase by $9,550 per year. If your interest rate rises by 2%, your repayment will increase by $19,100 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $17,515 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-07,"2019-02-07 11:59:55"
1034,"Simon Cornwel-Smith",NSW,simonc_s@hotmail.com,married/defacto,3,renting,1100,week,0,week,0,week,4950,fortnight,7500,month,800,20000,6000,0,0,4.49,0,0,4.99,0,0,550000,72700,"I am a New Investor (1-3 properties)","Property Chat",72700,72700,1308600,1308600,33,26,41,"Based on your financial information, we estimate that your risk position requires a buffer size of $9,112 - $36,450","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-06,"2019-02-06 04:27:58"
1033,harry,SA,pappas99@gmail.com,married/defacto,1,"Other(Living Rent Free)",0,,0,week,0,week,10500,month,0,week,0,0,2000,488000,0,3.95,0,0,4.99,540000,1,80000,74211,"None of the above","Property Chat",36251,41463,746349,652531,59,21,20,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,292 - $45,860","Should interest rates rise by 1%, your total repayment will increase by $4,880 per year. If your interest rate rises by 2%, your repayment will increase by $9,760 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-05,"2019-02-05 23:39:56"
1032,harry,SA,pappas99@gmail.com,married/defacto,1,"Other(Living Rent Free)",0,,0,week,0,week,10500,month,0,week,0,0,2000,0,0,4.49,0,0,4.99,0,0,80000,102000,"None of the above","Property Chat",76200,76200,1371600,1371600,81,6,13,"Based on your financial information, we estimate that your risk position requires a buffer size of $5,250 - $21,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-05,"2019-02-05 23:32:49"
1031,"Li Puing",VIC,li.puing@gmial.ca,married/defacto,1,renting,550,week,600,week,2500,annual,6144,month,1450,fortnight,0,6000,3500,0,0,4.56,623500,130000,4.71,850000,1,75000,30402,"I am looking to review my situation","Property Chat",15599,21183,381305,280796,22,21,58,"Based on your financial information, we estimate that your risk position requires a buffer size of $14,826 - $42,322","Should interest rates rise by 1%, your total repayment will increase by $6,235 per year. If your interest rate rises by 2%, your repayment will increase by $12,470 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $2,384 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-05,"2019-02-05 23:07:41"
1030,Diana,VIC,dnyatichi@gmail.com,married/defacto,2,renting,1477,month,0,week,0,week,1000,week,1000,week,0,0,1000,0,0,4.49,0,0,4.99,0,0,10000,74276,"I am looking to review my situation",Facebook,44275,44275,796967,796967,71,17,12,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,333 - $17,333","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-05,"2019-02-05 08:26:49"
1029,Diana,VIC,dnyatichi@gmail.com,married/defacto,2,renting,1477,month,0,week,0,week,1000,week,1000,week,0,0,1000,0,0,4.49,0,0,4.99,0,0,10000,74276,"I am looking to review my situation",Facebook,44275,44275,796967,796967,71,17,12,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,333 - $17,333","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-05,"2019-02-05 08:23:15"
1028,"E a gallo",VIC,Gallo.andrew@gmail.com,married/defacto,0,home,0,,7500,month,0,month,6370,month,0,week,0,15000,4090,0,0,4.49,1750000,600000,4.99,2800000,5,60000,-7480,"I am an Advanced Investor (3+ properties)",Other,-49724,-33463,0,0,-5,0,105,"Based on your financial information, we estimate that your risk position requires a buffer size of $39,465 - $95,279","Should interest rates rise by 1%, your total repayment will increase by $17,500 per year. If your interest rate rises by 2%, your repayment will increase by $35,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $11,004 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 9 Months",,"Your risk position could be improved",,0,0,2019-02-05,"2019-02-05 07:49:35"
1027,Louise,WA,louise.dehaer@hotmail.com,single,0,home,0,,280,week,50,annual,1818,fortnight,0,,1499,5000,4500,280000,0,3.97,270000,270000,4.84,865000,2,15000,-43687,"I am looking to review my situation","Smart Property Investment",-60976,-50950,0,0,-74,19,155,"Based on your financial information, we estimate that your risk position requires a buffer size of $15,296 - $37,961","Should interest rates rise by 1%, your total repayment will increase by $5,500 per year. If your interest rate rises by 2%, your repayment will increase by $11,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $4,951 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 2 Months",,"You risk levels are high.",,0,0,2019-02-05,"2019-02-05 04:21:46"
1026,Ross,QLD,raclark36@gmail.com,married/defacto,1,home,0,,500,week,0,week,3700,fortnight,0,week,0,4000,2400,600000,0,3.79,0,0,4.99,850000,1,200000,45556,"I am looking to review my situation","Property Chat",16747,23979,431623,301451,39,19,42,"Based on your financial information, we estimate that your risk position requires a buffer size of $13,126 - $36,285","Should interest rates rise by 1%, your total repayment will increase by $6,000 per year. If your interest rate rises by 2%, your repayment will increase by $12,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-04,"2019-02-04 23:37:24"
1025,"David Zaoui",NSW,davidzaoui@gmail.com,married/defacto,2,renting,800,week,450000,annual,0,week,14180,month,0,week,0,10000,2500,0,0,3.69,2905000,1105000,4.28,8630000,7,332000,216196,"I am looking to review my situation","Smart Property Investment",108933,159712,2874822,1960811,41,8,51,"Based on your financial information, we estimate that your risk position requires a buffer size of $54,490 - $151,443","Should interest rates rise by 1%, your total repayment will increase by $29,050 per year. If your interest rate rises by 2%, your repayment will increase by $58,100 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $20,266 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-04,"2019-02-04 23:20:15"
1024,"Clarissa lanuza",NSW,mcglanuza2015@gmail.com,married/defacto,1,renting,430,week,70,week,1500,month,2000,fortnight,500,week,0,6000,800,0,0,4.49,250000,0,4.99,300000,1,30000,51791,"I am a New Investor (1-3 properties)","Property Chat",19811,20169,363044,356611,52,23,25,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,270 - $28,380","Should interest rates rise by 1%, your total repayment will increase by $2,500 per year. If your interest rate rises by 2%, your repayment will increase by $5,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-04,"2019-02-04 19:35:59"
1023,"dave robertson",VIC,robertson.davidn@outlook.com,married/defacto,2,home,0,,50,annual,0,annual,4795,month,1625,fortnight,0,6000,2946,360000,0,3.79,0,0,0.10,800000,1,8000,42198,"None of the above",Facebook,26185,30524,549436,471333,42,14,44,"Based on your financial information, we estimate that your risk position requires a buffer size of $9,789 - $30,224","Should interest rates rise by 1%, your total repayment will increase by $3,600 per year. If your interest rate rises by 2%, your repayment will increase by $7,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-04,"2019-02-04 11:11:46"
1022,J,VIC,7283933@gmail.com,married/defacto,2,renting,2240,month,0,week,0,week,2700,fortnight,3000,fortnight,0,10000,6000,0,0,4.49,0,0,4.99,0,0,110000,45720,"I am looking to review my situation","Property Chat",45720,45720,822960,822960,31,18,51,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,175 - $24,700","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-01,"2019-02-01 20:04:12"
1021,"Asela DeCosta",VIC,aseladecosta@gmail.com,married/defacto,2,home,0,,1400,week,0,week,110000,month,130000,month,5000,10000,2000,225000,0,4.49,1400000,1400000,4.99,4000000,4,200000,2768877,"I am an Advanced Investor (3+ properties)","Property Chat",2688550,2723995,49031921,48393915,94,0,5,"Based on your financial information, we estimate that your risk position requires a buffer size of $148,672 - $555,234","Should interest rates rise by 1%, your total repayment will increase by $16,250 per year. If your interest rate rises by 2%, your repayment will increase by $32,500 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $25,676 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-02-01,"2019-02-01 01:00:43"
1020,"Don Doffe",NSW,forrestline@gmail.com,married/defacto,0,renting,1100,fortnight,0,annual,0,annual,8900,month,1000,month,0,28500,3500,0,0,4.49,0,0,4.99,0,0,150000,37940,"I am a First Home Buyer",Other,37940,37940,682920,682920,32,24,44,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,950 - $19,800","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-01-31,"2019-01-31 10:22:55"
1019,"Hint Ting",VIC,hint4453@gmail.com,married/defacto,2,home,0,,30000,annual,400,month,4600,month,0,week,0,2000,2000,0,0,4.49,0,0,4.99,1000000,1,200000,50400,"I am looking to review my situation","Property Chat",37200,37200,669600,669600,60,0,40,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,300 - $17,200","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-01-31,"2019-01-31 04:28:35"
1018,"Anthony Millet",NSW,antmillet@gmail.com,married/defacto,1,home,0,,5000,month,0,month,10720,month,10720,month,800,45000,4000,1100000,150000,3.69,0,0,4.99,2700000,1,50000,155777,"I am Looking to upgrade my home in future",Other,122941,141291,2543246,2212944,51,13,36,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,660 - $69,196","Should interest rates rise by 1%, your total repayment will increase by $11,000 per year. If your interest rate rises by 2%, your repayment will increase by $22,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $2,751 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-01-30,"2019-01-30 01:12:18"
1017,"Praveen Pinto",NSW,praveensays99@gmail.com,married/defacto,1,renting,2000,month,0,month,0,month,6700,month,0,month,330,0,2000,0,0,4.49,0,0,4.99,0,0,15000,28440,"I am looking to review my situation",Other,15240,15240,274320,274320,35,30,35,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,350 - $13,400","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-01-30,"2019-01-30 00:33:08"
1016,Ram,NSW,bram2004@gmail.com,married/defacto,1,home,0,,0,week,0,week,2848,fortnight,7600,month,500,6000,1000,753000,0,4.08,0,0,4.99,1000000,2,30000,101531,"I am Looking to upgrade my home in future",Media,47446,54641,983550,854037,61,19,20,"Based on your financial information, we estimate that your risk position requires a buffer size of $21,863 - $61,451","Should interest rates rise by 1%, your total repayment will increase by $7,530 per year. If your interest rate rises by 2%, your repayment will increase by $15,060 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-01-29,"2019-01-29 23:51:42"
1015,"Booo Boo",NSW,boo@booboo.com,married/defacto,2,home,0,,2800,month,0,week,10500,month,3600,month,560,25000,3000,960000,960000,4.20,640000,640000,4.20,2200000,2,120000,77870,,,-5708,49070,883267,0,40,21,40,"Based on your financial information, we estimate that your risk position requires a buffer size of $36,568 - $101,324","Should interest rates rise by 1%, your total repayment will increase by $16,000 per year. If your interest rate rises by 2%, your repayment will increase by $32,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $29,344 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-01-29,"2019-01-29 22:49:03"
1014,test,VIC,test@test.com,single,1,home,0,,0,week,0,week,100000,annual,0,,1000,0,1500,0,0,4.49,0,0,4.99,0,0,10000,70000,"None of the above",Other,64000,64000,1152000,1152000,70,0,30,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,166 - $16,666","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-01-29,"2019-01-29 06:31:51"
1013,"Hayley Johnston",NSW,hjcdesigns@outlook.com,married/defacto,0,home,0,,0,week,24000,annual,6500,month,5000,month,0,5000,2500,750000,0,4.49,0,0,4.99,1600000,1,0,84652,"None of the above",Other,56804,61264,1102765,1022474,52,21,27,"Based on your financial information, we estimate that your risk position requires a buffer size of $13,369 - $42,903","Should interest rates rise by 1%, your total repayment will increase by $7,500 per year. If your interest rate rises by 2%, your repayment will increase by $15,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-01-28,"2019-01-28 23:49:34"
1012,"Rodney Hughes",NSW,rsmpc@bigpond.com,single,0,home,0,,60000,annual,0,annual,27000,annual,0,,0,41000,2000,0,0,4.49,10000,10000,5.90,1250000,2,110000,18057,"I am a New Investor (1-3 properties)",Other,17779,17909,322362,320024,24,0,76,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,664 - $23,748","Should interest rates rise by 1%, your total repayment will increase by $100 per year. If your interest rate rises by 2%, your repayment will increase by $200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $183 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-01-28,"2019-01-28 20:00:14"
1011,Rod,NSW,Rod@outlook.com,married/defacto,1,home,0,,350,week,0,week,2400,fortnight,2400,fortnight,0,15000,3000,400000,0,4.00,650000,0,4.20,1550000,3,20000,42336,"None of the above",Other,11441,21071,379281,205939,30,11,58,"Based on your financial information, we estimate that your risk position requires a buffer size of $25,689 - $65,377","Should interest rates rise by 1%, your total repayment will increase by $10,500 per year. If your interest rate rises by 2%, your repayment will increase by $21,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","36Years / 9 Months",,"Your risk position is HEALTHY.",,0,0,2019-01-24,"2019-01-24 04:44:52"
1010,Joss,NSW,jp.engebretsen@gmail.com,single,0,renting,320,week,16500,annual,0,week,9990,month,0,,1600,5000,1600,330000,0,3.89,0,0,4.99,435000,1,154000,52701,"None of the above",Other,39541,43236,778261,711752,40,22,38,"Based on your financial information, we estimate that your risk position requires a buffer size of $12,082 - $35,961","Should interest rates rise by 1%, your total repayment will increase by $3,300 per year. If your interest rate rises by 2%, your repayment will increase by $6,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-01-24,"2019-01-24 04:17:32"
1009,"Test Run",NSW,curtis@confidencefinance.com.au,married/defacto,2,renting,500,week,0,week,0,week,90000,annual,15000,annual,0,15000,3500,1000000,0,3.80,0,0,4.99,2500000,1,100000,-24315,"I am Looking to upgrade my home in future",Other,-50261,-38293,0,0,-23,61,62,"Based on your financial information, we estimate that your risk position requires a buffer size of $12,125 - $40,143","Should interest rates rise by 1%, your total repayment will increase by $10,000 per year. If your interest rate rises by 2%, your repayment will increase by $20,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2019-01-24,"2019-01-24 04:17:12"
1008,test54321,NSW,test54321@yopmail.com,married/defacto,0,renting,1500,month,0,week,0,week,3000,fortnight,3000,fortnight,0,15000,1200,0,0,4.49,0,0,4.99,0,0,200000,118200,"I am a New Investor (1-3 properties)","Property Chat",90600,90600,1630800,1630800,76,12,13,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,500 - $26,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-01-24,"2019-01-24 01:53:13"
1007,kk,NSW,kirankumarpv@gmail.com,married/defacto,3,renting,2700,month,0,week,0,week,7000,month,0,week,650,2000,1200,0,0,4.49,0,0,4.99,0,0,60000,28680,"I am a First Home Buyer","Property Chat",5880,5880,105840,105840,34,39,27,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,500 - $14,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-01-23,"2019-01-23 15:52:47"
1006,Pavan,VIC,pspatel1985@gmail.com,married/defacto,1,home,0,,19760,annual,200,annual,112000,annual,101000,annual,0,21000,3500,220000,0,3.74,446300,446300,4.09,1170000,2,10000,150565,"I am Looking to upgrade my home in future","Property Chat",118309,136948,2465077,2129577,66,4,31,"Based on your financial information, we estimate that your risk position requires a buffer size of $23,185 - $69,412","Should interest rates rise by 1%, your total repayment will increase by $6,663 per year. If your interest rate rises by 2%, your repayment will increase by $13,326 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $8,185 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-01-23,"2019-01-23 02:31:01"
1005,"Thein Htike",NSW,theinhtike@gmail.com,married/defacto,2,home,0,,0,week,0,week,3000,fortnight,0,week,0,3000,3000,340000,0,4.00,0,0,4.99,350000,1,70000,21441,"I am Looking to upgrade my home in future","Property Chat",11887,15371,276692,213969,27,17,55,"Based on your financial information, we estimate that your risk position requires a buffer size of $14,292 - $34,391","Should interest rates rise by 1%, your total repayment will increase by $3,400 per year. If your interest rate rises by 2%, your repayment will increase by $6,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","59Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2019-01-22,"2019-01-22 01:18:28"
1004,"Thein Htike",NSW,theinhtike@gmail.com,married/defacto,2,home,0,,0,week,0,week,3000,fortnight,0,week,0,3000,3000,3400000,0,4.00,0,0,4.99,350000,1,70000,-153865,"I am Looking to upgrade my home in future","Property Chat",-238607,-203761,0,0,-197,174,123,"Based on your financial information, we estimate that your risk position requires a buffer size of $1,935,535 - $2,278,183","Should interest rates rise by 1%, your total repayment will increase by $34,000 per year. If your interest rate rises by 2%, your repayment will increase by $68,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 0 Months",,"You risk levels are high.",,0,0,2019-01-22,"2019-01-22 01:10:04"
1003,"Grant Donnelly",NSW,gwdonnelly@gmail.com,married/defacto,3,home,0,,30000,annual,0,week,1000,week,4000,fortnight,0,0,7000,520000,520000,4.00,810000,810000,3.99,1900000,3,115000,47487,"I am a New Investor (1-3 properties)","Property Chat",-14753,34207,615739,0,26,12,62,"Based on your financial information, we estimate that your risk position requires a buffer size of $35,820 - $94,894","Should interest rates rise by 1%, your total repayment will increase by $13,300 per year. If your interest rate rises by 2%, your repayment will increase by $26,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $24,392 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","7Years / 10 Months",,"Your risk position is HEALTHY.",,0,0,2019-01-21,"2019-01-21 05:02:19"
1002,l,,l@hotmail.com,married/defacto,1,renting,520,week,7500,month,0,week,4400,fortnight,2500,fortnight,0,6000,4000,0,0,4.49,2335000,2170000,4.50,2930000,5,200000,78755,,,-15288,51834,933026,0,31,11,58,"Based on your financial information, we estimate that your risk position requires a buffer size of $60,662 - $162,615","Should interest rates rise by 1%, your total repayment will increase by $23,350 per year. If your interest rate rises by 2%, your repayment will increase by $46,700 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $39,798 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","7Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2019-01-21,"2019-01-21 04:29:19"
1001,l,,l,married/defacto,1,renting,520,week,7500,month,0,week,4400,fortnight,2500,fortnight,0,6000,4000,0,0,4.49,2335000,2170000,4.50,2930000,5,200000,78755,,,-15288,51834,933026,0,31,11,58,"Based on your financial information, we estimate that your risk position requires a buffer size of $60,662 - $162,615","Should interest rates rise by 1%, your total repayment will increase by $23,350 per year. If your interest rate rises by 2%, your repayment will increase by $46,700 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $39,798 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","7Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2019-01-21,"2019-01-21 04:28:43"
1000,"Pejman Pakzamir",VIC,admin@confidencefinance.com.au,married/defacto,2,renting,720,week,710,week,370,fortnight,108000,annual,5000,annual,0,22000,2500,0,0,4.49,620000,0,4.08,950000,1,150000,40327,"I am looking to review my situation","Property Chat",13436,19361,348499,241861,27,25,49,"Based on your financial information, we estimate that your risk position requires a buffer size of $13,481 - $38,709","Should interest rates rise by 1%, your total repayment will increase by $6,200 per year. If your interest rate rises by 2%, your repayment will increase by $12,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-01-20,"2019-01-20 23:53:17"
999,"Rod Jimenez",NSW,rodmjim@gmail.com,married/defacto,3,home,0,,0,week,0,week,74155,annual,29354,annual,1600,6000,6712,290000,0,3.59,0,0,4.99,985000,1,10000,-14197,"I am a New Investor (1-3 properties)","Property Chat",-22134,-18147,0,0,-14,10,104,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,922 - $28,951","Should interest rates rise by 1%, your total repayment will increase by $2,900 per year. If your interest rate rises by 2%, your repayment will increase by $5,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 3 Months",,"You risk levels are high.",,0,0,2019-01-20,"2019-01-20 09:39:41"
998,"Rod Jimenez",NSW,rodmjim@gmail.com,married/defacto,3,home,0,,0,week,0,week,74155,annual,29354,annual,1600,6000,6712,290000,0,3.59,0,0,4.99,985000,1,10000,-14197,"I am a New Investor (1-3 properties)","Property Chat",-22134,-18147,0,0,-14,10,104,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,922 - $28,951","Should interest rates rise by 1%, your total repayment will increase by $2,900 per year. If your interest rate rises by 2%, your repayment will increase by $5,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 3 Months",,"You risk levels are high.",,0,0,2019-01-20,"2019-01-20 09:24:20"
997,"Julie Beeny",VIC,juliebeeny24@gmail.com,married/defacto,1,home,0,,11000,month,0,week,3100,fortnight,3100,fortnight,0,0,9000,590000,0,3.80,2144000,1000000,4.10,5500000,9,180000,15102,"I am an Advanced Investor (3+ properties)","Property Chat",-73258,-19978,0,0,6,8,86,"Based on your financial information, we estimate that your risk position requires a buffer size of $61,702 - $157,395","Should interest rates rise by 1%, your total repayment will increase by $27,340 per year. If your interest rate rises by 2%, your repayment will increase by $54,680 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $18,340 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 11 Months",,"Your risk position is HEALTHY.",,0,0,2019-01-18,"2019-01-18 20:13:46"
996,"Danny Lennon",VIC,d_d_lennon@hotmail.com,married/defacto,2,home,0,,0,week,0,annual,80000,annual,0,annual,0,0,2400,500000,0,3.49,0,0,4.99,900000,1,50000,24291,"I am Looking to upgrade my home in future","Property Chat",1869,9163,164943,33649,30,22,48,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,424 - $30,044","Should interest rates rise by 1%, your total repayment will increase by $5,000 per year. If your interest rate rises by 2%, your repayment will increase by $10,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-01-18,"2019-01-18 19:48:05"
995,"Rakesh Anand",NSW,rakesh.anand@gmail.com,married/defacto,2,renting,950,week,2950,month,0,week,4569,month,1100,week,0,6000,7000,0,0,4.49,1781000,0,4.00,3750,7,350000,-78070,"I am looking to review my situation","Property Chat",-121831,-103578,0,0,-56,35,120,"Based on your financial information, we estimate that your risk position requires a buffer size of $52,827,443 - $60,439,545","Should interest rates rise by 1%, your total repayment will increase by $17,810 per year. If your interest rate rises by 2%, your repayment will increase by $35,620 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 0 Months",,"You risk levels are high.",,0,0,2019-01-18,"2019-01-18 10:41:41"
994,"Arun Arora",NSW,admin@confidencefinance.com.au,married/defacto,2,home,0,,1265,week,0,fortnight,105000,annual,35000,annual,0,19000,4000,395000,0,3.90,1685000,1685000,4.25,2740000,4,190000,52399,"I am looking to review my situation","Property Chat",-32118,28906,520315,0,27,8,65,"Based on your financial information, we estimate that your risk position requires a buffer size of $49,030 - $128,894","Should interest rates rise by 1%, your total repayment will increase by $20,800 per year. If your interest rate rises by 2%, your repayment will increase by $41,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $30,903 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","6Years / 1 Months",,"Your risk position is HEALTHY.",,0,0,2019-01-18,"2019-01-18 06:14:06"
993,Richard,NSW,rick.lee.aus@gmail.com,single,0,renting,375,week,0,week,0,week,3000,fortnight,0,,0,15000,1800,0,0,4.49,0,0,4.99,0,0,120000,31500,"I am Looking to upgrade my home in future",Other,31500,31500,567000,567000,40,25,35,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,250 - $13,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-01-18,"2019-01-18 01:03:25"
992,"Rob Clark",NSW,rob_d_clark@icloud.com,married/defacto,1,home,0,,61620,annual,0,fortnight,61833,annual,27000,annual,0,6000,3500,0,0,4.90,1300000,1300000,4.99,2040000,5,100000,32504,"I am looking to review my situation","Property Chat",-15383,16286,293165,0,24,0,76,"Based on your financial information, we estimate that your risk position requires a buffer size of $39,356 - $97,230","Should interest rates rise by 1%, your total repayment will increase by $13,000 per year. If your interest rate rises by 2%, your repayment will increase by $26,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $23,842 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 11 Months",,"Your risk position is HEALTHY.",,0,0,2019-01-17,"2019-01-17 01:22:51"
991,"ethan ng test",NSW,admin@confidencefinance.com.au,married/defacto,2,home,0,,1130,week,0,week,104000,annual,0,week,0,40000,3000,800000,0,4.49,895000,495000,4.00,2500001,3,10000,6816,"I am looking to review my situation","Property Chat",-49051,-22009,0,0,5,24,72,"Based on your financial information, we estimate that your risk position requires a buffer size of $32,321 - $81,376","Should interest rates rise by 1%, your total repayment will increase by $16,950 per year. If your interest rate rises by 2%, your repayment will increase by $33,900 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $9,078 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 2 Months",,"You risk levels are high.",,0,0,2019-01-16,"2019-01-16 02:43:28"
990,Jason,NSW,jason@yellowgorilla.net,married/defacto,2,home,0,,2000,annual,1000,month,11200,month,0,month,0,5000,4500,1197000,0,3.72,0,0,4.99,2300000,1,350000,25330,"None of the above",Twitter,-6379,8760,157697,0,17,30,53,"Based on your financial information, we estimate that your risk position requires a buffer size of $16,342 - $50,502","Should interest rates rise by 1%, your total repayment will increase by $11,970 per year. If your interest rate rises by 2%, your repayment will increase by $23,940 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","66Years / 8 Months",,"Your risk position is HEALTHY.",,0,0,2019-01-11,"2019-01-11 06:42:36"
989,"Anne Pukallus",QLD,anne_puk@hotmail.com,married/defacto,3,"Other(Living Rent Free)",0,,320,week,920,fortnight,1200,fortnight,1600,fortnight,0,5000,4000,0,0,4.46,192000,0,5.82,260000,1,110000,44955,"I am a New Investor (1-3 properties)","Property Chat",34986,33768,607827,629748,41,7,52,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,769 - $24,500","Should interest rates rise by 1%, your total repayment will increase by $1,920 per year. If your interest rate rises by 2%, your repayment will increase by $3,840 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-01-11,"2019-01-11 02:19:26"
988,Andy,NSW,berlina_s2000@hotmail.com,single,0,"Other(Living Rent Free)",0,,1015,week,0,week,3000,fortnight,0,,200,0,1000,0,0,4.49,1140000,1140000,4.20,1295000,2,90000,61302,"I am Looking to upgrade my home in future","Property Chat",-6497,32532,585578,0,51,6,43,"Based on your financial information, we estimate that your risk position requires a buffer size of $33,599 - $82,163","Should interest rates rise by 1%, your total repayment will increase by $11,400 per year. If your interest rate rises by 2%, your repayment will increase by $22,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $20,908 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-01-09,"2019-01-09 06:21:31"
987,Andy,NSW,berlina_s2000@hotmail.com,single,0,"Other(Living Rent Free)",0,,1015,week,0,week,140000,annual,0,,200,0,1000,0,0,4.49,1140000,1140000,4.20,1295000,2,90000,123302,"I am Looking to upgrade my home in future","Property Chat",52502,91532,1647578,945038,68,4,28,"Based on your financial information, we estimate that your risk position requires a buffer size of $36,182 - $92,496","Should interest rates rise by 1%, your total repayment will increase by $11,400 per year. If your interest rate rises by 2%, your repayment will increase by $22,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $20,908 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2019-01-09,"2019-01-09 06:16:34"
986,asdf,VIC,3243@afsd.com,single,0,home,0,,700,week,0,week,2150,fortnight,0,,0,0,1100,220000,0,3.74,530000,0,4.09,1280000,3,200000,26964,"I am an Advanced Investor (3+ properties)","Property Chat",674,8437,151881,12136,32,10,59,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,321 - $46,789","Should interest rates rise by 1%, your total repayment will increase by $7,500 per year. If your interest rate rises by 2%, your repayment will increase by $15,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","40Years / 10 Months",,"Your risk position is HEALTHY.",,0,0,2019-01-08,"2019-01-08 23:36:52"
985,pl,ACT,palluu@gmail.com,single,0,home,0,,0,fortnight,0,fortnight,5000,fortnight,0,,500,8700,4000,450000,0,4.49,100000,0,4.99,100,3,5000,40770,"I am looking to review my situation",Facebook,29509,32328,581916,531168,31,16,53,"Based on your financial information, we estimate that your risk position requires a buffer size of $189,057,916 - $216,100,594","Should interest rates rise by 1%, your total repayment will increase by $5,500 per year. If your interest rate rises by 2%, your repayment will increase by $11,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 0 Months",,"You risk levels are high.",,0,0,2019-01-04,"2019-01-04 10:34:47"
984,Ret,,Xyz@hotmail.com,single,0,renting,680,month,24000,annual,1609,fortnight,12000,annual,0,,0,0,3000,0,0,4.49,575201,267000,3.88,695,2,22000,3586,,,-17041,-3354,0,0,5,11,84,"Based on your financial information, we estimate that your risk position requires a buffer size of $29,741,303 - $34,010,801","Should interest rates rise by 1%, your total repayment will increase by $5,752 per year. If your interest rate rises by 2%, your repayment will increase by $11,504 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $4,896 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 0 Months",,"You risk levels are high.",,0,0,2019-01-04,"2019-01-04 05:48:30"
983,Boo,ACT,boo@gmail.com,married/defacto,0,renting,560,week,0,week,0,week,3500,fortnight,0,week,0,6500,1500,0,0,4.49,910000,0,4.99,1200000,2,100000,-1863,"I am looking to review my situation","Property Chat",-37002,-35701,0,0,-2,32,70,"Based on your financial information, we estimate that your risk position requires a buffer size of $20,299 - $53,157","Should interest rates rise by 1%, your total repayment will increase by $9,100 per year. If your interest rate rises by 2%, your repayment will increase by $18,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 9 Months",,"Your risk position is HEALTHY.",,0,0,2019-01-02,"2019-01-02 14:12:03"
982,"Steve Kman",NSW,Manhattenproject@hotmail.com,married/defacto,1,renting,630,fortnight,0,week,0,week,3100,fortnight,600,fortnight,300,10000,3750,0,0,4.49,0,0,4.99,0,0,90000,27620,"None of the above","Property Chat",27620,27620,497160,497160,29,17,54,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,008 - $16,033","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-12-30,"2018-12-30 11:23:59"
981,"Senthil Kumar Manickavelu",NSW,emsenthil@gmail.com,married/defacto,1,renting,585,week,0,week,0,week,9945,month,18000,annual,800,15000,4000,0,0,4.49,0,0,4.99,0,0,140000,43920,"I am a First Home Buyer","Property Chat",43920,43920,790560,790560,32,22,46,"Based on your financial information, we estimate that your risk position requires a buffer size of $5,722 - $22,890","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-12-29,"2018-12-29 05:58:02"
980,"Ben edwards",NSW,Bdi.edwards@hotmail.com,married/defacto,2,home,0,,188000,annual,0,week,40000,annual,98000,annual,0,12100,130000,450000,0,3.97,1740000,330000,4.50,3237000,12,438000,-1428901,"I am an Advanced Investor (3+ properties)","Property Chat",-1483517,-1460468,0,0,-495,6,589,"Based on your financial information, we estimate that your risk position requires a buffer size of $76619 - $173784","Should interest rates rise by 1%, your total repayment will increase by $21900 per year. If your interest rate rises by 2%, your repayment will increase by $43800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $6052 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 3 Months",,"You risk levels are high.",,0,0,2018-12-29,"2018-12-29 01:15:58"
979,alex,NSW,alex@ii.net,single,0,"Other(Living Rent Free)",0,,0,week,0,week,3005,fortnight,0,,0,0,1200,0,0,4.49,0,0,4.99,0,0,2000,63730,"I am a First Home Buyer",Other,49330,49330,887940,887940,82,10,8,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,255 - $13,021","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-12-25,"2018-12-25 22:57:27"
978,alex,NSW,alex@ii.net,single,0,"Other(Living Rent Free)",0,,0,week,0,week,3005,fortnight,0,,0,0,1200,0,0,4.49,0,0,4.99,0,0,2000,63730,"I am a First Home Buyer",Other,49330,49330,887940,887940,82,10,8,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,255 - $13,021","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-12-25,"2018-12-25 22:53:41"
977,"YUXIN FENG-BAILEY",VIC,sunweemail@yahoo.com.au,single,1,home,0,,3580,month,0,annual,8600,month,0,,0,4000,2000,0,0,4.49,992000,765000,4.65,1740000,4,80000,66310,"I am looking to review my situation","Property Chat",30992,53905,970300,557864,48,0,52,"Based on your financial information, we estimate that your risk position requires a buffer size of $30,164 - $77,262","Should interest rates rise by 1%, your total repayment will increase by $9,920 per year. If your interest rate rises by 2%, your repayment will increase by $19,840 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $14,030 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-12-22,"2018-12-22 00:00:42"
976,"Ra insert Singh",NSW,raamesingh@outlook.com,married/defacto,2,home,0,,1200,fortnight,2000,week,1000,week,1000,week,0,16000,10000,1100000,0,4.49,450000,0,4.99,2200000,2,0,9698,"I am looking to review my situation",Facebook,-21427,-14241,0,0,4,21,75,"Based on your financial information, we estimate that your risk position requires a buffer size of $25,522 - $64,836","Should interest rates rise by 1%, your total repayment will increase by $15,500 per year. If your interest rate rises by 2%, your repayment will increase by $31,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 0 Months",,"You risk levels are high.",,0,0,2018-12-21,"2018-12-21 21:11:17"
975,"Vesna S",NSW,vanessad1945@gmail.com,married/defacto,1,home,0,,0,week,345,fortnight,4583,month,35,fortnight,830,14000,2000,360000,0,3.84,0,0,0.10,600000,1,100,5648,"I am looking to review my situation",Other,-16794,-12608,0,0,9,21,70,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,804 - $23,875","Should interest rates rise by 1%, your total repayment will increase by $3,600 per year. If your interest rate rises by 2%, your repayment will increase by $7,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 0 Months",,"You risk levels are high.",,0,0,2018-12-20,"2018-12-20 11:58:14"
974,ab,NSW,bdhdhd@hotmail.com,single,1,renting,200,week,550,week,0,week,125000,annual,0,,200,6000,2000,0,0,4.00,380000,380000,4.04,480000,1,100000,91429,"I am Looking to upgrade my home in future","Property Chat",73821,87591,1576645,1328785,62,7,31,"Based on your financial information, we estimate that your risk position requires a buffer size of $14701 - $44148","Should interest rates rise by 1%, your total repayment will increase by $3800 per year. If your interest rate rises by 2%, your repayment will increase by $7600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $6969 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-12-16,"2018-12-16 08:19:05"
973,A,ACT,AJDHABCNM@hotmail.com,single,1,renting,200,week,550,week,0,week,125000,annual,0,,0,6000,3000,0,0,4.49,380000,380000,4.04,480000,1,80000,92229,"I am Looking to upgrade my home in future",Other,66821,80591,1450645,1202785,62,5,32,"Based on your financial information, we estimate that your risk position requires a buffer size of $14701 - $44148","Should interest rates rise by 1%, your total repayment will increase by $3800 per year. If your interest rate rises by 2%, your repayment will increase by $7600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $6969 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-12-16,"2018-12-16 08:14:50"
972,"Cat Kline",QLD,catherinekline@live.com,married/defacto,0,renting,395,week,0,week,100,month,5000,month,7400,month,0,10000,3500,0,0,4.49,0,0,4.99,0,0,212000,83860,"I am a First Home Buyer","Property Chat",83860,83860,1509480,1509480,56,14,30,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,200 - $24,800","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-12-15,"2018-12-15 09:24:06"
971,"john smith",VIC,nandioosa@yahoo.com,married/defacto,2,home,0,,2600,month,3500,fortnight,4500,fortnight,4700,fortnight,6500,15000,1200,1150000,750000,4.49,840000,840000,4.99,3000000,2,100000,162227,"I am looking to review my situation",Other,57854,103656,1865818,1041386,46,15,40,"Based on your financial information, we estimate that your risk position requires a buffer size of $40,907 - $116,234","Should interest rates rise by 1%, your total repayment will increase by $19,900 per year. If your interest rate rises by 2%, your repayment will increase by $39,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $29,161 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-12-13,"2018-12-13 05:37:12"
970,Joe,NSW,propertyjoey2015@gmail.com,single,0,renting,0500,week,0,week,0,week,50000,annual,0,,100,5000,500,250000,0,3.59,0,0,4.99,550000,1,24000,1377,"I am looking to review my situation",Other,-20465,-17028,0,0,3,70,27,"Based on your financial information, we estimate that your risk position requires a buffer size of $7,234 - $20,238","Should interest rates rise by 1%, your total repayment will increase by $2,500 per year. If your interest rate rises by 2%, your repayment will increase by $5,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 1 Months",,"Your risk position is HEALTHY.",,0,0,2018-12-11,"2018-12-11 11:52:47"
969,shithead,QLD,shit@shite.com,married/defacto,2,renting,540,week,0,week,0,week,4800,month,250,week,0,0,2000,0,0,4.49,0,0,4.99,0,0,140000,18520,"I am looking to review my situation",Media,5320,5320,95760,95760,26,40,34,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,941 - $11,766","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-12-11,"2018-12-11 06:52:49"
968,"Competition Joe",NSW,compjoe@gmail.com,married/defacto,3,renting,795,week,25000,annual,510,week,7500,month,2000,month,2000,15000,3000,0,0,4.49,600000,600000,4.29,770000,1,110000,30630,"I am a New Investor (1-3 properties)","Property Chat",-1672,18195,327510,0,19,26,55,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,307 - $50,648","Should interest rates rise by 1%, your total repayment will increase by $6,000 per year. If your interest rate rises by 2%, your repayment will increase by $12,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $11,004 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","203Years / 8 Months",,"Your risk position is HEALTHY.",,0,0,2018-12-11,"2018-12-11 04:46:54"
967,ANGELA,NSW,AJROBERTS777@GMAIL.COM,married/defacto,0,home,0,,65000,annual,0,week,1530,week,0,week,0,20000,4264,0,0,4.49,900000,667000,4.99,2550000,4,10000,20661,"I am an Advanced Investor (3+ properties)","Property Chat",-7990,8592,154661,0,16,0,84,"Based on your financial information, we estimate that your risk position requires a buffer size of $25,087 - $66,857","Should interest rates rise by 1%, your total repayment will increase by $9,000 per year. If your interest rate rises by 2%, your repayment will increase by $18,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $12,233 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 5 Months",,"You risk levels are high.",,0,0,2018-12-11,"2018-12-11 03:29:48"
966,Barry,ACT,itsmyspamfilter@gmail.com,married/defacto,0,home,0,,120000,annual,0,annual,80000,annual,20000,annual,0,2000,70000,0,0,4.49,1500000,1500000,4.99,2600000,5,150000,-730115,"I am an Advanced Investor (3+ properties)","Property Chat",-785370,-748827,0,0,-373,0,473,"Based on your financial information, we estimate that your risk position requires a buffer size of $41,724 - $105,820","Should interest rates rise by 1%, your total repayment will increase by $15,000 per year. If your interest rate rises by 2%, your repayment will increase by $30,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $27,510 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 2 Months",,"You risk levels are high.",,0,0,2018-12-10,"2018-12-10 03:31:24"
965,,VIC,nsbamford@mmm.com,married/defacto,1,renting,465,week,830,week,0,week,5000,month,5000,month,0,0,8000,0,0,4.49,772894,0,4.60,1360000,2,156000,-13105,"None of the above","Property Chat",-28828,-24991,0,0,-8,16,93,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,930 - $49,640","Should interest rates rise by 1%, your total repayment will increase by $7,728 per year. If your interest rate rises by 2%, your repayment will increase by $15,457 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","3Years / 6 Months",,"Your risk position is HEALTHY.",,0,0,2018-12-09,"2018-12-09 23:20:47"
964,sea,NSW,gipsland@yahoo.com.au,married/defacto,0,home,0,,40000,annual,0,annual,80000,annual,0,annual,1000,8000,2000,120000,0,4.49,0,0,4.99,1300000,1,300000,53992,"I am looking to review my situation",Other,38256,38970,701466,688619,48,5,47,"Based on your financial information, we estimate that your risk position requires a buffer size of $7,207 - $22,431","Should interest rates rise by 1%, your total repayment will increase by $1,200 per year. If your interest rate rises by 2%, your repayment will increase by $2,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-12-07,"2018-12-07 11:32:54"
963,"Wendy Lee",VIC,wendyl4@optusnet.com.au,single,0,home,0,,0,week,0,week,5394,month,0,,0,0,2200,165000,0,4.67,0,0,4.99,400000,1,32000,28095,"I am looking to review my situation","Property Chat",24820,25536,459653,446776,43,12,45,"Based on your financial information, we estimate that your risk position requires a buffer size of $7,348 - $21,241","Should interest rates rise by 1%, your total repayment will increase by $1,650 per year. If your interest rate rises by 2%, your repayment will increase by $3,300 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-12-05,"2018-12-05 21:15:48"
962,"Natalie Siu",NSW,natalie.siu2@gmail.com,single,0,"Other(Living Rent Free)",0,,2000,annual,0,week,3700,month,0,,0,4000,1400,0,0,4.49,0,0,4.99,0,0,90000,27168,"I am looking to review my situation","Property Chat",15168,15168,273024,273024,59,17,24,"Based on your financial information, we estimate that your risk position requires a buffer size of $1,850 - $7,400","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-12-05,"2018-12-05 07:34:14"
961,"Natalie Siu",NSW,natalie.siu2@gmail.com,single,0,"Other(Living Rent Free)",0,,2000,annual,0,week,3700,month,0,,0,4000,1450,0,0,4.49,0,0,4.99,0,0,90000,26568,"I am looking to review my situation","Property Chat",15168,15168,273024,273024,58,17,25,"Based on your financial information, we estimate that your risk position requires a buffer size of $1,850 - $7,400","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-12-04,"2018-12-04 23:48:19"
960,trac,QLD,jeneriq@gmail.com,married/defacto,2,home,0,,2395,week,0,week,6189,month,2577,fortnight,0,2000,4200,0,0,4.29,940000,500000,4.24,6000000,5,15000,121426,"I am an Advanced Investor (3+ properties)","Smart Property Investment",89181,109639,1973515,1605273,50,0,50,"Based on your financial information, we estimate that your risk position requires a buffer size of $28,130 - $80,102","Should interest rates rise by 1%, your total repayment will increase by $9,400 per year. If your interest rate rises by 2%, your repayment will increase by $18,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $9,170 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-12-04,"2018-12-04 04:22:59"
959,T,QLD,jeneriq@gmail.com,married/defacto,1,home,0,,2395,week,0,annual,6189,month,2577,fortnight,0,2000,4200,0,0,4.49,940000,500000,4.24,5480000,5,0,121426,"None of the above","Smart Property Investment",89181,109639,1973515,1605273,50,0,50,"Based on your financial information, we estimate that your risk position requires a buffer size of $28,348 - $80,352","Should interest rates rise by 1%, your total repayment will increase by $9,400 per year. If your interest rate rises by 2%, your repayment will increase by $18,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $9,170 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-12-04,"2018-12-04 04:09:38"
958,Ga,QLD,Gali.alon76@gmail.com,married/defacto,1,home,0,,550,week,0,annual,6500,month,7650,month,700,15000,6000,715000,0,3.85,660000,0,3.99,1600000,2,30000,31414,"I am looking to review my situation","Property Chat",-3155,11916,214499,0,16,14,69,"Based on your financial information, we estimate that your risk position requires a buffer size of $33,927 - $87,452","Should interest rates rise by 1%, your total repayment will increase by $13,750 per year. If your interest rate rises by 2%, your repayment will increase by $27,500 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","1Years / 2 Months",,"Your risk position is HEALTHY.",,0,0,2018-12-03,"2018-12-03 09:52:09"
957,"Jacqui Parkes",NSW,jacqui.parkes@aol.com,married/defacto,1,renting,650,week,1000,week,0,week,80000,annual,80000,annual,0,13000,4000,0,0,4.49,1760000,1760000,4.59,2200000,1,20000,48248,"I am looking to review my situation","Property Chat",-23624,28051,504935,0,24,17,59,"Based on your financial information, we estimate that your risk position requires a buffer size of $36,335 - $106,646","Should interest rates rise by 1%, your total repayment will increase by $17,600 per year. If your interest rate rises by 2%, your repayment will increase by $35,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $32,279 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2018-12-02,"2018-12-02 21:17:13"
956,Test,NSW,ramananvenkatagiri@aol.com,married/defacto,1,renting,2000,month,500,week,1,week,80000,annual,80000,annual,1,10000,4000,600000,0,4.49,0,0,4.99,1000000,2,20000,61105,"I am Looking to upgrade my home in future","Property Chat",48427,51995,935924,871691,34,28,38,"Based on your financial information, we estimate that your risk position requires a buffer size of $18,791 - $53,595","Should interest rates rise by 1%, your total repayment will increase by $6,000 per year. If your interest rate rises by 2%, your repayment will increase by $12,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-12-02,"2018-12-02 20:13:58"
955,"Natalie Siu",NSW,natalie.siu2@gmail.com,single,0,"Other(Living Rent Free)",0,,1500,annual,0,week,58000,annual,0,,0,4000,1050,0,0,4.49,0,0,4.99,0,0,90000,44716,"I am a New Investor (1-3 properties)","Property Chat",28516,28516,513288,513288,76,13,11,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,416 - $9,666","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-12-02,"2018-12-02 12:33:31"
954,"Natalie Siu",NSW,natalie.siu2@gmail.com,single,0,"Other(Living Rent Free)",0,,1500,annual,0,week,58000,annual,0,,0,4000,13000,0,0,4.49,0,0,4.99,0,0,90000,-98684,"I am looking to review my situation","Property Chat",-106484,-106484,0,0,-167,13,254,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,416 - $9,666","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 10 Months",,"Your risk position could be improved",,0,0,2018-12-02,"2018-12-02 12:26:28"
953,"Natalie Siu",NSW,natalie.siu2@gmail.com,single,0,"Other(Living Rent Free)",0,,1000,annual,0,annual,3500,month,0,,0,4000,13000,0,0,4.49,0,0,4.99,0,0,90000,-114936,"I am looking to review my situation","Property Chat",-122736,-122736,0,0,-269,18,350,"Based on your financial information, we estimate that your risk position requires a buffer size of $1,750 - $7,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 9 Months",,"Your risk position could be improved",,0,0,2018-11-30,"2018-11-30 02:18:31"
952,Michael,NSW,michael@mortgagesmart.com.au,married/defacto,1,home,0,,0,week,0,week,80000,annual,34320,annual,0,5000,2875,583000,0,4.49,191000,0,4.99,1850000,2,37000,33504,"I am looking to review my situation",Media,10339,14080,253440,186113,29,23,48,"Based on your financial information, we estimate that your risk position requires a buffer size of $15,888 - $46,641","Should interest rates rise by 1%, your total repayment will increase by $7,740 per year. If your interest rate rises by 2%, your repayment will increase by $15,480 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-29,"2018-11-29 06:12:02"
951,"Daniel Dillon",WA,daniel89@live.com.au,married/defacto,0,home,0,,0,week,0,week,2083,fortnight,2200,fortnight,1214,47000,2500,366500,0,4.47,0,0,4.99,375000,1,2000,27664,"I am looking to review my situation","Property Chat",7867,10112,182031,141621,25,15,60,"Based on your financial information, we estimate that your risk position requires a buffer size of $16,366 - $41,149","Should interest rates rise by 1%, your total repayment will increase by $3,665 per year. If your interest rate rises by 2%, your repayment will increase by $7,330 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-28,"2018-11-28 11:00:55"
950,Luke,NSW,Taxali@hotmail.com,married/defacto,1,home,0,,3900,month,0,week,10000,month,5900,month,0,23000,4000,400000,30,5.40,800000,800000,4.99,2140000,3,1000000,104554,"I am an Advanced Investor (3+ properties)","Property Chat",69293,87835,1581045,1247276,46,9,45,"Based on your financial information, we estimate that your risk position requires a buffer size of $31,133 - $87,821","Should interest rates rise by 1%, your total repayment will increase by $12,000 per year. If your interest rate rises by 2%, your repayment will increase by $24,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $14,673 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-28,"2018-11-28 02:12:29"
949,Nothing,VIC,test@yopmail.com,single,2,renting,2555,month,1000,month,600,week,1000,month,0,,100,50,500,123,23,4.49,22,2,4.99,234,2,10000,11362,"I am Looking to upgrade my home in future",Media,-3641,-3640,0,0,22,58,20,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,501 - $18,002","Should interest rates rise by 1%, your total repayment will increase by $1 per year. If your interest rate rises by 2%, your repayment will increase by $2 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","6Years / 1 Months",,"Your risk position is HEALTHY.",,0,0,2018-11-27,"2018-11-27 15:29:34"
948,"sunil singh",NSW,sunilsingh2019@gmail.com,married/defacto,3,renting,2000,week,200000,month,10000,week,10000,week,5000,week,11111,100000,5000,3,1,4.49,2,2,4.99,500000,2,100000,2176268,"I am a First Home Buyer","Property Chat",2176267,2176267,39172818,39172816,68,3,29,"Based on your financial information, we estimate that your risk position requires a buffer size of $42,537 - $150,075","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-27,"2018-11-27 03:25:25"
947,sunil,ACT,sunilsingh2019@gmail.com,single,1111,renting,1000,week,1234,week,23333,week,1111,week,0,,33233,334344,22332,3233444,111,4.49,11222,32,4.99,1111,12122,111,267382,"I am a First Home Buyer","Property Chat",198858,218109,3925964,3579459,20,15,65,"Based on your financial information, we estimate that your risk position requires a buffer size of $641,883,472 - $776,290,103","Should interest rates rise by 1%, your total repayment will increase by $32,446 per year. If your interest rate rises by 2%, your repayment will increase by $64,893 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $3 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","1Years / -11 Months",,"You risk levels are high.",,0,0,2018-11-27,"2018-11-27 03:17:11"
946,simon,,hiyohiyosimon@yahoo.com.au,married/defacto,0,renting,250,week,2000,month,0,week,2400,fortnight,2400,fortnight,0,0,1000,0,0,4.49,450000,0,4.99,500000,1,150000,90433,,,52550,53194,957497,945917,63,9,28,"Based on your financial information, we estimate that your risk position requires a buffer size of $16,512 - $44,228","Should interest rates rise by 1%, your total repayment will increase by $4,500 per year. If your interest rate rises by 2%, your repayment will increase by $9,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-26,"2018-11-26 12:27:30"
945,"Maylee Thavat",ACT,mayleethavat@gmail.com,married/defacto,1,home,0,,500,week,400,week,1950,fortnight,1350,week,0,12000,5850,430000,0,4.49,0,0,4.99,960000,1,100000,54170,"I am Looking to upgrade my home in future",Other,45083,47641,857539,811506,33,12,55,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,972 - $34,815","Should interest rates rise by 1%, your total repayment will increase by $4,300 per year. If your interest rate rises by 2%, your repayment will increase by $8,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-26,"2018-11-26 03:26:13"
944,Riaan,NSW,riaanb@gmail.com,married/defacto,2,renting,570,week,0,week,0,week,8200,month,1200,week,450,12000,6500,0,0,4.49,0,0,4.99,0,0,40000,43440,"I am a First Home Buyer","Property Chat",43440,43440,781920,781920,27,18,55,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,700 - $26,800","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-25,"2018-11-25 21:53:35"
943,"Matt L",NSW,mlee3891@gmail.com,single,0,renting,1200,month,0,annual,0,week,100000,annual,0,,0,0,1800,0,0,4.49,0,0,4.99,0,0,200000,64000,"None of the above",Twitter,61600,61600,1108800,1108800,64,14,22,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,166 - $16,666","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-24,"2018-11-24 20:47:05"
942,Tim,VIC,timmah.walsh@gmail.com,single,1,home,0,,0,week,0,week,1740,week,0,,0,5000,2000,380000,380000,4.49,0,0,4.99,750000,1,25000,47618,"None of the above","Property Chat",31720,43352,780345,570960,53,19,29,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,571 - $34,596","Should interest rates rise by 1%, your total repayment will increase by $3,800 per year. If your interest rate rises by 2%, your repayment will increase by $7,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $6,969 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-21,"2018-11-21 03:46:46"
941,Andy,NSW,Andy.cain1@gmail.com,married/defacto,0,renting,100,week,0,week,0,week,120000,annual,80000,annual,0,6000,4000,0,0,4.49,0,0,4.99,0,0,120000,144640,"I am a New Investor (1-3 properties)","Smart Property Investment",142040,142040,2556720,2556720,72,4,24,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,333 - $33,333","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-19,"2018-11-19 10:41:40"
940,Bala,QLD,balaje.r@gmail.com,married/defacto,2,renting,350,week,15000,annual,0,week,5200,month,6700,month,0,6000,2000,0,0,4.19,284000,0,4.19,336000,1,175000,94083,"I am looking to review my situation",Other,69480,71921,1294583,1250640,61,12,27,"Based on your financial information, we estimate that your risk position requires a buffer size of $13,592 - $40,426","Should interest rates rise by 1%, your total repayment will increase by $2,840 per year. If your interest rate rises by 2%, your repayment will increase by $5,680 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-18,"2018-11-18 02:16:52"
939,"Robert Angus",VIC,robertangus91@hotmail.com,married/defacto,1,home,0,,350,fortnight,0,week,4400,month,3700,month,0,500,8000,563406,563406,4.49,312594,312594,4.00,1200000,2,10000,-26990,"I am a New Investor (1-3 properties)","Property Chat",-65170,-36439,0,0,-26,24,102,"Based on your financial information, we estimate that your risk position requires a buffer size of $23,868 - $63,646","Should interest rates rise by 1%, your total repayment will increase by $8,760 per year. If your interest rate rises by 2%, your repayment will increase by $17,520 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $16,066 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 1 Months",,"You risk levels are high.",,0,0,2018-11-16,"2018-11-16 10:14:58"
938,"Richard john marnell",VIC,Richard_Marnell@hotmail.com,married/defacto,1,home,0,,0,week,0,week,60000,annual,0,week,1100,0,1500,450000,0,3.95,0,0,0.10,800000,1,15000,3175,"I am looking to review my situation","Property Chat",-27237,-22431,0,0,5,30,65,"Based on your financial information, we estimate that your risk position requires a buffer size of $9,331 - $25,896","Should interest rates rise by 1%, your total repayment will increase by $4,500 per year. If your interest rate rises by 2%, your repayment will increase by $9,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 1 Months",,"Your risk position is HEALTHY.",,0,0,2018-11-16,"2018-11-16 05:33:29"
937,Mick,NSW,Yy@gg.com,married/defacto,0,home,0,,0,week,0,week,4000,month,1472,fortnight,2100,12000,1100,450000,0,3.92,0,0,1.00,725000,1,170000,18020,"I am a New Investor (1-3 properties)",Other,-17285,-12362,0,0,21,20,59,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,834 - $30,741","Should interest rates rise by 1%, your total repayment will increase by $4,500 per year. If your interest rate rises by 2%, your repayment will increase by $9,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","178Years / 11 Months",,"Your risk position is HEALTHY.",,0,0,2018-11-16,"2018-11-16 04:47:10"
936,shoeb,ACT,shoebonline@hotmail.com,married/defacto,2,home,0,,0,week,0,week,5000,fortnight,11500,month,0,80000,6000,360000,0,3.85,0,0,4.99,550000,1,300000,146947,"I am looking to review my situation",Twitter,137729,141884,2553918,2479139,55,5,40,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,948 - $59,574","Should interest rates rise by 1%, your total repayment will increase by $3,600 per year. If your interest rate rises by 2%, your repayment will increase by $7,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-15,"2018-11-15 23:31:49"
935,A,NSW,Szz1958@hotmail.com,married/defacto,0,home,0,,8000,annual,0,annual,96000,annual,0,annual,0,11000,3000,435155,435155,4.58,0,0,4.99,930000,1,400000,40142,"I am looking to review my situation","Property Chat",21128,33959,611268,380304,39,19,41,"Based on your financial information, we estimate that your risk position requires a buffer size of $12089 - $36885","Should interest rates rise by 1%, your total repayment will increase by $4351 per year. If your interest rate rises by 2%, your repayment will increase by $8703 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $7981 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-15,"2018-11-15 18:41:32"
934,Jovi,NSW,jovivillanueva@hotmail.com,single,0,"Other(Living Rent Free)",0,,350,week,0,week,1530,week,0,,0,6000,2300,0,0,4.49,300000,300000,4.80,300000,1,20000,49568,"I am looking to review my situation","Property Chat",30146,38167,687020,542641,53,8,39,"Based on your financial information, we estimate that your risk position requires a buffer size of $15,440 - $37,814","Should interest rates rise by 1%, your total repayment will increase by $3,000 per year. If your interest rate rises by 2%, your repayment will increase by $6,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $5,502 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-15,"2018-11-15 07:38:17"
933,"John Fuller",VIC,johnfuller@gmail.com,married/defacto,2,home,0,,0,week,0,annual,100000,annual,0,annual,0,5000,3500,540000,0,4.00,0,0,4.99,700000,1,50000,25263,"I am Looking to upgrade my home in future","Smart Property Investment",11994,17529,315528,215909,25,22,53,"Based on your financial information, we estimate that your risk position requires a buffer size of $13,325 - $38,221","Should interest rates rise by 1%, your total repayment will increase by $5,400 per year. If your interest rate rises by 2%, your repayment will increase by $10,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-15,"2018-11-15 04:57:05"
932,test123,NSW,curtis@confidencefinance.com.au,single,0,home,0,,0,week,0,week,3500,month,0,,0,0,3000,550000,0,5.09,0,0,4.99,0,0,0,-29794,"I am Looking to upgrade my home in future","Property Chat",-39023,-38742,0,0,-71,67,104,"Based on your financial information, we estimate that your risk position requires a buffer size of $NaN - $NaN","Should interest rates rise by 1%, your total repayment will increase by $5,500 per year. If your interest rate rises by 2%, your repayment will increase by $11,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2018-11-15,"2018-11-15 02:59:13"
931,Jdmith,ACT,Dhdh@gmail.com,single,0,home,0,,0,annual,0,week,90000,annual,0,,500,12000,2000,250000,0,4.49,0,0,4.99,600000,1,30000,40497,"I am looking to review my situation",Facebook,35214,36701,660628,633864,45,12,43,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,753 - $26,736","Should interest rates rise by 1%, your total repayment will increase by $2,500 per year. If your interest rate rises by 2%, your repayment will increase by $5,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-15,"2018-11-15 02:19:26"
930,"Sunny N",NSW,sunny99@gmail.com,married/defacto,0,renting,600,week,42600,annual,0,week,150000,annual,130000,annual,0,22000,300,0,0,4.49,1100000,1100000,4.50,1500000,2,300000,227565,"I am a New Investor (1-3 properties)",Other,137254,170790,3074227,2470588,72,10,18,"Based on your financial information, we estimate that your risk position requires a buffer size of $34,564 - $102,415","Should interest rates rise by 1%, your total repayment will increase by $11,000 per year. If your interest rate rises by 2%, your repayment will increase by $22,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $20,174 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-14,"2018-11-14 03:47:35"
929,"Matthew Hemmons",NSW,matt.hemmons@denfin.com.au,married/defacto,3,home,0,,0,week,0,week,65000,annual,65000,annual,0,25000,7000,720000,400000,3.81,0,0,4.99,1800000,1,10000,3845,"None of the above",Media,-23890,-4443,0,0,3,21,76,"Based on your financial information, we estimate that your risk position requires a buffer size of $13,950 - $45,711","Should interest rates rise by 1%, your total repayment will increase by $7,200 per year. If your interest rate rises by 2%, your repayment will increase by $14,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $7,336 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 5 Months",,"You risk levels are high.",,0,0,2018-11-14,"2018-11-14 03:12:11"
928,"Benjamin Ong",VIC,ongbenjaminn@gmail.com,married/defacto,1,home,0,,0,week,0,week,1883,week,1000,week,0,5000,3000,750000,0,4.00,0,0,4.99,1250000,1,150000,69149,"None of the above",Other,44720,52406,943322,804962,46,20,34,"Based on your financial information, we estimate that your risk position requires a buffer size of $15,403 - $46,647","Should interest rates rise by 1%, your total repayment will increase by $7,500 per year. If your interest rate rises by 2%, your repayment will increase by $15,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-14,"2018-11-14 00:38:32"
927,"Tim Chapman",VIC,chapmantw88@gmail.com,single,0,renting,696,month,1400,month,0,week,1700,fortnight,0,,0,0,1200,0,0,4.49,335000,0,4.20,450000,1,50000,15834,"I am a New Investor (1-3 properties)","Property Chat",1469,4319,77757,26450,27,14,58,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,901 - $23,129","Should interest rates rise by 1%, your total repayment will increase by $3,350 per year. If your interest rate rises by 2%, your repayment will increase by $6,700 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-13,"2018-11-13 12:36:52"
926,"Andrew Bean",NSW,andrew_bean28@hotmail.com,married/defacto,1,home,0,,1,week,1,week,5046,month,635,fortnight,1,3500,3800,596000,0,3.99,0,0,4.99,662000,1,23000,-3835,"I am a New Investor (1-3 properties)","Smart Property Investment",-18521,-12361,0,0,-5,31,74,"Based on your financial information, we estimate that your risk position requires a buffer size of $16,906 - $41,290","Should interest rates rise by 1%, your total repayment will increase by $5,960 per year. If your interest rate rises by 2%, your repayment will increase by $11,920 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 8 Months",,"Your risk position could be improved",,0,0,2018-11-13,"2018-11-13 10:31:32"
925,"Marc Rothon",QLD,marcrothon@outlook.com,married/defacto,0,renting,1200,month,2000,month,0,week,160000,annual,0,week,0,2000,1000,0,0,6.00,291000,0,6.90,850000,2,100000,126823,"I am looking to review my situation","Smart Property Investment",89999,85073,1531318,1619991,71,8,21,"Based on your financial information, we estimate that your risk position requires a buffer size of $15,496 - $46,628","Should interest rates rise by 1%, your total repayment will increase by $2,910 per year. If your interest rate rises by 2%, your repayment will increase by $5,820 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-13,"2018-11-13 04:47:44"
924,"Mathew Harris",NSW,mech168@uowmail.edu.au,married/defacto,0,home,0,,650,week,0,week,1050,week,45000,annual,0,0,4300,410000,0,4.05,669000,669000,4.05,1700000,2,40000,25449,"I am a New Investor (1-3 properties)","Smart Property Investment",-15415,12767,229811,0,20,13,67,"Based on your financial information, we estimate that your risk position requires a buffer size of $23,221 - $62,124","Should interest rates rise by 1%, your total repayment will increase by $10,790 per year. If your interest rate rises by 2%, your repayment will increase by $21,580 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $12,269 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 7 Months",,"Your risk position is HEALTHY.",,0,0,2018-11-12,"2018-11-12 22:52:12"
923,testing1231332,ACT,admin@confidencefinance.com.au,single,0,"Other(Living Rent Free)",0,,0,month,0,week,1000,week,0,,0,0,3000,0,0,4.49,450000,450000,4.99,500000,1,0,1037,,,-23339,-12376,0,0,2,15,83,"Based on your financial information, we estimate that your risk position requires a buffer size of $15,541 - $38,283","Should interest rates rise by 1%, your total repayment will increase by $4,500 per year. If your interest rate rises by 2%, your repayment will increase by $9,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $8,253 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 0 Months",,"You risk levels are high.",,0,0,2018-11-12,"2018-11-12 05:29:31"
922,a,NSW,a@a.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,7164,month,0,,0,9000,1500,0,0,4.49,0,0,4.99,0,0,450000,64728,"None of the above",Other,53928,53928,970704,970704,75,9,16,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,582 - $14,328","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-12,"2018-11-12 04:31:33"
921,"Anthony Jephcott",NSW,anthonyjephcott@gmail.com,married/defacto,2,home,0,,650000,annual,0,annual,50000,annual,0,annual,0,0,10000,0,0,4.49,2300000,2300000,4.99,8000000,5,0,181125,"None of the above","Property Chat",96400,152432,2743785,1735205,32,0,68,"Based on your financial information, we estimate that your risk position requires a buffer size of $45,782 - $126,171","Should interest rates rise by 1%, your total repayment will increase by $23,000 per year. If your interest rate rises by 2%, your repayment will increase by $46,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $42,182 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-12,"2018-11-12 02:38:28"
920,"David Smith",NSW,jamesbryantor@gmail.com,single,2,renting,400,week,200,month,0,week,1000,week,0,,250,4000,2000,20000,0,4.49,0,0,4.99,0,0,50000,2755,"I am looking to review my situation","Smart Property Investment",2332,2451,44123,41982,5,40,55,"Based on your financial information, we estimate that your risk position requires a buffer size of $NaN - $NaN","Should interest rates rise by 1%, your total repayment will increase by $200 per year. If your interest rate rises by 2%, your repayment will increase by $400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2018-11-11,"2018-11-11 23:41:38"
919,"Visuvanathan Ramaiah",WA,moses2002285@hotmail.com,married/defacto,3,home,0,,0,week,100,week,834,week,1200,fortnight,800,15000,800,459000,0,3.88,0,0,4.99,520000,1,0,29252,"None of the above",Other,-10006,-4827,0,0,37,22,41,"Based on your financial information, we estimate that your risk position requires a buffer size of $14,069 - $35,597","Should interest rates rise by 1%, your total repayment will increase by $4,590 per year. If your interest rate rises by 2%, your repayment will increase by $9,180 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-11,"2018-11-11 12:07:31"
918,Anne,SA,anne_lok88@hotmail.com,single,0,"Other(Living Rent Free)",0,,8000,annual,20000,annual,2577,fortnight,0,,0,58000,835,0,0,4.49,0,0,4.99,0,0,400000,60134,"None of the above","Property Chat",41354,41354,744372,744372,64,8,27,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,791 - $11,167","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-10,"2018-11-10 13:59:56"
917,c,NSW,cftorres@msn.com,married/defacto,0,home,0,,550,week,0,week,3800,fortnight,1400,week,1000,10000,1000,920000,0,3.90,675000,675000,4.50,1900000,2,10000,87206,"I am looking to review my situation",Other,-206,30594,550695,0,45,18,37,"Based on your financial information, we estimate that your risk position requires a buffer size of $38,129 - $101,674","Should interest rates rise by 1%, your total repayment will increase by $15,950 per year. If your interest rate rises by 2%, your repayment will increase by $31,900 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $12,379 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-10,"2018-11-10 05:37:43"
916,"Reyner Karnali",VIC,reynerjovian@yahoo.com,married/defacto,2,home,0,,49520,annual,0,week,120000,annual,84000,annual,0,6000,3600,440000,0,3.95,1180000,1110000,4.20,2345000,4,60000,127462,"I am a New Investor (1-3 properties)","Smart Property Investment",60418,103715,1866886,1087524,52,7,41,"Based on your financial information, we estimate that your risk position requires a buffer size of $43,026 - $113,403","Should interest rates rise by 1%, your total repayment will increase by $16,200 per year. If your interest rate rises by 2%, your repayment will increase by $32,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $20,357 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-10,"2018-11-10 02:04:51"
915,"Moyuresh Biswas",ACT,moyuresh.biswas@gmail.com,married/defacto,0,home,0,,940,week,0,annual,11000,month,4800,month,200,22500,2000,350876,0,3.82,1081797,684590,4.70,1725000,4,160000,121184,"I am an Advanced Investor (3+ properties)",Other,53129,78042,1404771,956328,53,6,41,"Based on your financial information, we estimate that your risk position requires a buffer size of $44,098 - $115,027","Should interest rates rise by 1%, your total repayment will increase by $14,326 per year. If your interest rate rises by 2%, your repayment will increase by $28,653 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $12,556 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-09,"2018-11-09 05:30:27"
914,"Frank Papalia",VIC,fcn@live.co.uk,married/defacto,2,renting,3200,month,20000,month,0,month,5000,fortnight,10000,annual,744,10000,2600,0,0,4.49,4100000,0,4.60,7100000,8,10000,-5124,"I am an Advanced Investor (3+ properties)","Smart Property Investment",-99333,-78979,0,0,-2,12,90,"Based on your financial information, we estimate that your risk position requires a buffer size of $68,787 - $168,783","Should interest rates rise by 1%, your total repayment will increase by $41,000 per year. If your interest rate rises by 2%, your repayment will increase by $82,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 0 Months",,"You risk levels are high.",,0,0,2018-11-09,"2018-11-09 04:13:22"
913,Jovi,NSW,jovivillanueva@hotmail.com,single,0,"Other(Living Rent Free)",0,,450,week,0,week,1600,week,0,,0,6000,2300,0,0,4.49,450000,450000,4.80,450000,1,20000,51126,"I am looking to review my situation","Property Chat",25894,37926,682669,466101,50,8,42,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,654 - $46,697","Should interest rates rise by 1%, your total repayment will increase by $4,500 per year. If your interest rate rises by 2%, your repayment will increase by $9,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $8,253 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-09,"2018-11-09 03:39:47"
912,Jovi,NSW,jovivillanueva@hotmail.com,single,0,"Other(Living Rent Free)",0,,450,week,0,week,1600,week,0,,0,6000,2300,0,0,4.49,450000,450000,4.80,450000,1,20000,51126,"I am looking to review my situation","Property Chat",25894,37926,682669,466101,50,8,42,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,654 - $46,697","Should interest rates rise by 1%, your total repayment will increase by $4,500 per year. If your interest rate rises by 2%, your repayment will increase by $9,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $8,253 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-09,"2018-11-09 03:37:42"
911,Ryan,NSW,Ryan@hotmail.com,single,0,"Other(Living Rent Free)",0,,450,week,0,week,1700,week,0,,0,6000,2300,0,0,4.49,450000,450000,4.80,450000,1,20000,56326,"I am looking to review my situation","Property Chat",31094,43126,776269,559701,53,7,40,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,871 - $47,564","Should interest rates rise by 1%, your total repayment will increase by $4,500 per year. If your interest rate rises by 2%, your repayment will increase by $9,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $8,253 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-09,"2018-11-09 03:09:23"
910,Jovi,NSW,jovivill@hotmail.com,single,0,"Other(Living Rent Free)",0,,450,week,0,week,1700,week,0,,0,6000,2250,0,0,4.49,450000,450000,4.80,450000,1,20000,56926,"I am looking to review my situation","Property Chat",31694,43726,787069,570501,53,7,40,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,871 - $47,564","Should interest rates rise by 1%, your total repayment will increase by $4,500 per year. If your interest rate rises by 2%, your repayment will increase by $9,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $8,253 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-09,"2018-11-09 03:07:04"
909,Jovi,NSW,jovivillanuevs@hotmail.com,single,0,"Other(Living Rent Free)",0,,450,week,0,week,1700,week,0,,0,6000,2300,0,0,4.49,450000,450000,4.80,450000,1,20000,56326,"I am looking to review my situation","Property Chat",31094,43126,776269,559701,53,7,40,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,871 - $47,564","Should interest rates rise by 1%, your total repayment will increase by $4,500 per year. If your interest rate rises by 2%, your repayment will increase by $9,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $8,253 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-09,"2018-11-09 03:03:54"
908,"Stephanie Ng",VIC,Steph_cks@outlook.com,married/defacto,0,renting,1651,month,0,week,0,week,800,week,770,week,0,15000,1000,0,0,4.49,0,0,4.99,0,0,90000,44428,"I am a First Home Buyer",Other,19228,19228,346104,346104,54,24,21,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,401 - $13,606","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-08,"2018-11-08 22:30:46"
907,Jen,WA,i.jutarat@ecu.edu.au,married/defacto,1,home,0,,670,week,100,month,2300,fortnight,1900,fortnight,0,15000,2500,230000,0,4.00,866000,866000,4.50,1340000,3,122000,54832,"I am looking to review my situation","Smart Property Investment",1036,29794,536308,18649,40,7,54,"Based on your financial information, we estimate that your risk position requires a buffer size of $32,706 - $85,262","Should interest rates rise by 1%, your total repayment will increase by $10,960 per year. If your interest rate rises by 2%, your repayment will increase by $21,920 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $15,882 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","75Years / 9 Months",,"Your risk position is HEALTHY.",,0,0,2018-11-08,"2018-11-08 08:46:14"
906,CJ,NSW,kdjamo@gmail.com,married/defacto,3,home,0,,1000,week,2000,annual,115000,annual,50000,annual,7000,20000,1200,600000,600000,4.49,1600000,1600000,4.99,3000000,9,500000,7468,"I am an Advanced Investor (3+ properties)",Other,-110173,-52826,0,0,4,13,84,"Based on your financial information, we estimate that your risk position requires a buffer size of $72,671 - $178,999","Should interest rates rise by 1%, your total repayment will increase by $22,000 per year. If your interest rate rises by 2%, your repayment will increase by $44,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $40,348 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","4Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2018-11-07,"2018-11-07 09:37:53"
905,sam,VIC,sam_barling@hotmail.com,married/defacto,1,home,0,,860,week,0,week,6700,month,0,week,0,5000,5600,450000,0,3.91,940000,0,4.00,2400000,3,90000,-29764,"I am looking to review my situation","Smart Property Investment",-64197,-49601,0,0,-26,15,110,"Based on your financial information, we estimate that your risk position requires a buffer size of $24,454 - $62,201","Should interest rates rise by 1%, your total repayment will increase by $13,900 per year. If your interest rate rises by 2%, your repayment will increase by $27,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 3 Months",,"Your risk position is HEALTHY.",,0,0,2018-11-07,"2018-11-07 05:08:52"
904,"Chris Lovejoy",ACT,cnlovejoy@gmail.com,married/defacto,2,home,0,,915,week,0,week,11518,month,5958,month,800,30000,8000,210000,0,3.86,1161200,1161200,5.05,2880000,3,183000,66157,"I am looking to review my situation","Smart Property Investment",18716,48540,873721,336899,27,3,70,"Based on your financial information, we estimate that your risk position requires a buffer size of $32,835 - $96,866","Should interest rates rise by 1%, your total repayment will increase by $13,712 per year. If your interest rate rises by 2%, your repayment will increase by $27,424 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $21,296 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-07,"2018-11-07 02:53:44"
903,Grant,NSW,younggra@yahoo.com.au,married/defacto,2,"Other(Living Rent Free)",0,,1555,week,0,week,2314,fortnight,1792,fortnight,5846,12000,1000,0,0,4.49,1400000,0,4.70,2041000,3,321547,-2784,"I am looking to review my situation","Smart Property Investment",-68058,-62366,0,0,-2,5,97,"Based on your financial information, we estimate that your risk position requires a buffer size of $27,953 - $69,441","Should interest rates rise by 1%, your total repayment will increase by $14,000 per year. If your interest rate rises by 2%, your repayment will increase by $28,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","6Years / 6 Months",,"Your risk position is HEALTHY.",,0,0,2018-11-07,"2018-11-07 00:44:26"
902,"Nathan Bein",NSW,nathan@cfgnsw.com.au,married/defacto,4,home,0,,0,week,0,week,150000,annual,50000,annual,0,10000,4000,1250000,0,3.79,0,0,4.99,2300000,1,100000,78592,"I am looking to review my situation","Smart Property Investment",46073,61139,1100514,829324,39,24,37,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,823 - $62,840","Should interest rates rise by 1%, your total repayment will increase by $12,500 per year. If your interest rate rises by 2%, your repayment will increase by $25,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-07,"2018-11-07 00:13:07"
901,"David Johnson",ACT,david@maxroy.com.au,married/defacto,0,home,0,,4738,month,0,week,774,week,774,week,0,18600,720,0,0,4.49,429000,0,4.99,2530000,4,20000,73354,"I am an Advanced Investor (3+ properties)","Smart Property Investment",37279,37893,682076,671037,58,0,42,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,419 - $49,933","Should interest rates rise by 1%, your total repayment will increase by $4,290 per year. If your interest rate rises by 2%, your repayment will increase by $8,580 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-06,"2018-11-06 23:59:24"
900,Mathsman,VIC,Monkeybrains2@mailinator.com,married/defacto,2,home,0,,35555,week,0,week,34444,week,6665,week,8484,10000,9494,8888,44,4.49,748474,585859,4.99,7000000,7,1000000,2822383,"I am looking to review my situation","Smart Property Investment",2797764,2812323,50621820,50359758,78,0,22,"Based on your financial information, we estimate that your risk position requires a buffer size of $119,142 - $427,481","Should interest rates rise by 1%, your total repayment will increase by $7,573 per year. If your interest rate rises by 2%, your repayment will increase by $15,147 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $10,746 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-06,"2018-11-06 23:38:28"
899,rwerw,VIC,redomsyed@hotmail.com,married/defacto,0,"Other(Living Rent Free)",0,,0,week,0,week,40000,annual,20000,annual,0,0,3000,300000,300000,5.59,0,0,4.99,600000,1,50000,7230,,,-11021,-5962,0,0,12,41,47,"Based on your financial information, we estimate that your risk position requires a buffer size of $9,469 - $27,055","Should interest rates rise by 1%, your total repayment will increase by $3,000 per year. If your interest rate rises by 2%, your repayment will increase by $6,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $5,502 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","5Years / 1 Months",,"Your risk position is HEALTHY.",,0,0,2018-11-06,"2018-11-06 11:34:18"
898,31231,NSW,asd@hot.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,4000,week,0,,0,0,1000,400000,0,3.60,0,0,4.99,490000,1,1,174177,,,138655,144121,2594183,2495799,84,11,6,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,074 - $53,989","Should interest rates rise by 1%, your total repayment will increase by $4,000 per year. If your interest rate rises by 2%, your repayment will increase by $8,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-06,"2018-11-06 11:29:26"
897,31231,NSW,asd@hot.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,4000,week,0,,0,0,1000,300000,0,4.09,0,0,4.99,490000,1,1,178626,,,146841,149682,2694279,2643149,86,10,4,"Based on your financial information, we estimate that your risk position requires a buffer size of $14,786 - $48,196","Should interest rates rise by 1%, your total repayment will increase by $3,000 per year. If your interest rate rises by 2%, your repayment will increase by $6,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-06,"2018-11-06 11:26:48"
896,test123,ACT,redomsyed@Hotmail.com,single,0,home,0,,0,week,0,week,4000,fortnight,0,,0,0,2000,300000,0,3.69,0,0,4.99,430000,1,10000,63450,"I am looking to review my situation","Smart Property Investment",55441,59312,1067628,997949,61,11,28,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,854 - $31,321","Should interest rates rise by 1%, your total repayment will increase by $3,000 per year. If your interest rate rises by 2%, your repayment will increase by $6,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-06,"2018-11-06 11:23:19"
895,test123,ACT,redomsyed@Hotmail.com,single,0,home,0,,0,week,0,week,4000,fortnight,0,,0,0,2000,300000,0,4.49,0,0,4.99,430000,1,10000,61781,"I am looking to review my situation","Smart Property Investment",55441,57225,1030066,997949,59,13,28,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,854 - $31,321","Should interest rates rise by 1%, your total repayment will increase by $3,000 per year. If your interest rate rises by 2%, your repayment will increase by $6,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-06,"2018-11-06 11:19:10"
894,"joanne wiseman",SA,joshor81@gmail.com,single,0,renting,100,week,0,week,510,fortnight,42000,annual,0,,1070,16500,600,0,0,0.10,0,0,0.10,0,0,2000,24080,"I am looking to review my situation",Other,7680,7680,138240,138240,44,14,42,"Based on your financial information, we estimate that your risk position requires a buffer size of $1,750 - $7,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-06,"2018-11-06 11:08:27"
893,12314,NSW,"afd@hot,com",single,0,"Other(Living Rent Free)",0,,0,week,0,week,6700,month,0,,0,0,2399,0,0,4.49,120000,0,4.99,150000,1,0,45889,,,35986,36158,650847,647759,57,10,33,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,550 - $24,657","Should interest rates rise by 1%, your total repayment will increase by $1,200 per year. If your interest rate rises by 2%, your repayment will increase by $2,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-06,"2018-11-06 11:06:14"
892,"Redom Syed",ACT,redomsyed@hotmail.com,single,0,"Other(Living Rent Free)",0,,300,week,0,week,8990,month,0,,0,0,2000,0,0,4.49,450000,450000,4.99,750000,1,0,76780,,,52403,63366,1140590,943259,64,6,30,"Based on your financial information, we estimate that your risk position requires a buffer size of $13,652 - $40,366","Should interest rates rise by 1%, your total repayment will increase by $4,500 per year. If your interest rate rises by 2%, your repayment will increase by $9,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $8,253 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-06,"2018-11-06 11:02:14"
891,"TEST FINAL",ACT,complaince@confidencefinance.com.au,single,0,"Other(Living Rent Free)",0,,350,week,0,week,6700,month,0,,0,0,1250,0,0,4.49,500000,500000,4.99,625000,1,10000,57948,,,25729,37910,682385,463128,61,8,31,"Based on your financial information, we estimate that your risk position requires a buffer size of $14,642 - $41,848","Should interest rates rise by 1%, your total repayment will increase by $5,000 per year. If your interest rate rises by 2%, your repayment will increase by $10,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $9,170 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-06,"2018-11-06 10:59:16"
890,test,ACT,test@gmail.com,married/defacto,0,"Other(Living Rent Free)",0,,1560,month,0,fortnight,8284,month,5682,month,0,25000,70,0,0,3.69,1000000,1000000,5.19,1390000,3,16000,131937,"I am looking to review my situation","Property Chat",42140,64001,1152033,758521,72,4,23,"Based on your financial information, we estimate that your risk position requires a buffer size of $32,310 - $87,074","Should interest rates rise by 1%, your total repayment will increase by $10,000 per year. If your interest rate rises by 2%, your repayment will increase by $20,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $18,340 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-06,"2018-11-06 09:59:07"
889,"live test",ACT,test@gmail.com,married/defacto,0,"Other(Living Rent Free)",0,,1560,month,0,fortnight,8248,month,5682,month,0,25000,700,0,0,3.69,1000000,1000000,5.19,1390000,3,16000,123945,"I am looking to review my situation","Property Chat",41708,63569,1144257,750745,68,4,28,"Based on your financial information, we estimate that your risk position requires a buffer size of $32,292 - $87,002","Should interest rates rise by 1%, your total repayment will increase by $10,000 per year. If your interest rate rises by 2%, your repayment will increase by $20,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $18,340 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-06,"2018-11-06 09:53:42"
888,"live test",ACT,test@gmail.com,married/defacto,0,"Other(Living Rent Free)",0,,1560,month,0,fortnight,8248,month,5682,month,0,25000,700,0,0,3.69,1000000,1000000,5.19,1390000,3,16000,123945,"I am looking to review my situation","Property Chat",41708,63569,1144257,750745,68,4,28,"Based on your financial information, we estimate that your risk position requires a buffer size of $32,292 - $87,002","Should interest rates rise by 1%, your total repayment will increase by $10,000 per year. If your interest rate rises by 2%, your repayment will increase by $20,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $18,340 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-06,"2018-11-06 09:51:14"
887,Cs,NSW,Redom@hot.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,760760,annual,0,,0,0,577,0,0,4.49,0,0,4.99,0,0,0,753836,,,724160,724160,13034880,13034880,99,1,0,"Based on your financial information, we estimate that your risk position requires a buffer size of $31,698 - $126,793","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-06,"2018-11-06 02:03:19"
886,1245,VIC,redomsyed@hotmail.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,4880,fortnight,0,,0,0,4656,0,0,4.49,0,0,4.99,0,0,0,71008,,,63208,63208,1137744,1137744,56,6,38,"Based on your financial information, we estimate that your risk position requires a buffer size of $5,286 - $21,146","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-06,"2018-11-06 01:59:11"
885,"Redom Syed",ACT,redomsyed@hotmail.com,married/defacto,2,"Other(Living Rent Free)",0,,0,week,0,week,4000,week,3400,week,0,10000,3000,0,0,4.49,0,0,4.99,0,0,4000,345200,,,325400,325400,5857200,5857200,90,2,8,"Based on your financial information, we estimate that your risk position requires a buffer size of $16,033 - $64,133","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-06,"2018-11-06 01:55:37"
884,redom,NSW,redom@confidencefinance.com.au,married/defacto,0,home,0,,600,week,0,week,5000,month,4500,month,0,0,4000,500000,500000,3.55,400000,300000,3.55,1555000,3,150000,54563,,,10809,46107,829929,194566,39,13,48,"Based on your financial information, we estimate that your risk position requires a buffer size of $26,308 - $70,056","Should interest rates rise by 1%, your total repayment will increase by $9,000 per year. If your interest rate rises by 2%, your repayment will increase by $18,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $14,672 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-06,"2018-11-06 01:44:58"
883,testinggggggggg,ACT,admin@confidencefinance.com.au,single,0,"Other(Living Rent Free)",0,,0,week,0,week,5000,month,0,,0,2000,2500,0,0,4.49,500000,500000,4.99,625000,1,150000,12655,,,-13563,-1382,0,0,21,13,66,"Based on your financial information, we estimate that your risk position requires a buffer size of $13,792 - $38,448","Should interest rates rise by 1%, your total repayment will increase by $5,000 per year. If your interest rate rises by 2%, your repayment will increase by $10,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $9,170 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","12Years / 4 Months",,"Your risk position is HEALTHY.",,0,0,2018-11-06,"2018-11-06 01:15:02"
882,testinggggggggg,ACT,admin@confidencefinance.com.au,single,0,"Other(Living Rent Free)",0,,0,week,0,week,5000,month,0,,0,2000,2500,0,0,4.49,0,0,4.99,0,0,150000,29280,,,21480,21480,386640,386640,49,13,38,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,500 - $10,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-06,"2018-11-06 01:07:54"
881,Testing,ACT,redomsyed@hotmail.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,5000,week,0,,0,0,2500,0,0,4.49,0,0,4.99,0,0,10000,230000,,,222200,222200,3999600,3999600,88,3,9,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,833 - $43,333","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-05,"2018-11-05 22:41:26"
880,P,NSW,sn148017@outlook.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,60000,annual,0,,0,5000,2500,0,0,4.00,0,0,4.99,1000000,1,100000,28200,"I am Looking to upgrade my home in future",Media,20400,20400,367200,367200,47,13,40,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,500 - $18,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-05,"2018-11-05 11:46:47"
879,"live test22",SA,singh.mandeep@dotsquares.com,married/defacto,0,"Other(Living Rent Free)",0,,1560,month,0,month,8284,month,5682,month,0,25000,700,0,0,3.69,1000000,1000000,5.19,1390000,3,16000,124377,"I am looking to review my situation",Facebook,42140,64001,1152033,758521,68,4,28,"Based on your financial information, we estimate that your risk position requires a buffer size of $32,310 - $87,074","Should interest rates rise by 1%, your total repayment will increase by $10,000 per year. If your interest rate rises by 2%, your repayment will increase by $20,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $18,340 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-05,"2018-11-05 11:14:46"
878,"live test22",SA,singh.mandeep@dotsquares.com,married/defacto,0,"Other(Living Rent Free)",0,,1560,month,0,month,8284,month,5682,month,0,25000,700,0,0,3.69,1000000,1000000,5.19,1390000,3,16000,124377,"I am looking to review my situation",Facebook,42140,64001,1152033,758521,68,4,28,"Based on your financial information, we estimate that your risk position requires a buffer size of $32,310 - $87,074","Should interest rates rise by 1%, your total repayment will increase by $10,000 per year. If your interest rate rises by 2%, your repayment will increase by $20,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $18,340 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-05,"2018-11-05 11:12:34"
877,"live test11",SA,singh.mandeep@dotsquares.com,married/defacto,0,"Other(Living Rent Free)",0,,1560,month,0,month,8284,month,5682,month,0,25000,700,0,0,3.69,0,0,5.19,0,0,16000,159627,"I am looking to review my situation",Facebook,112226,112226,2020083,2020083,87,4,8,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,983 - $27,932","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-05,"2018-11-05 11:06:41"
876,"live testing",QLD,singh.mandeep@dotsquares.com,married/defacto,0,"Other(Living Rent Free)",0,,1560,month,0,month,8284,month,5682,month,0,25000,700,0,0,3.69,0,0,5.19,0,0,16000,159627,"I am looking to review my situation","Property Chat",112226,112226,2020083,2020083,87,4,8,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,983 - $27,932","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-05,"2018-11-05 11:04:23"
875,Jovi,NSW,jovivillaneuva@hotmail.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,1700,week,0,,250,5000,2500,0,0,4.49,470000,470000,4.80,470000,1,30000,38866,"I am looking to review my situation","Property Chat",12859,,,231465,44,9,47,"Based on your financial information, we estimate that your risk position requires a buffer size of $20,412 - $48,668","Should interest rates rise by 1%, your total repayment will increase by $4,700 per year. If your interest rate rises by 2%, your repayment will increase by $9,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $8,619 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-05,"2018-11-05 07:00:24"
874,test115,SA,singh.mandeep@dotsquares.com,married/defacto,0,"Other(Living Rent Free)",0,,1560,month,0,month,8248,month,5682,month,0,25000,700,0,0,3.69,1000000,1000000,5.19,1390000,3,16000,123945,"I am looking to review my situation",Twitter,41708,,,750745,68,4,28,"Based on your financial information, we estimate that your risk position requires a buffer size of $32,292 - $87,002","Should interest rates rise by 1%, your total repayment will increase by $10,000 per year. If your interest rate rises by 2%, your repayment will increase by $20,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $18,340 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-05,"2018-11-05 06:51:07"
873,John,NSW,email@email.com,single,0,home,0,,0,week,0,week,2150,fortnight,0,,0,0,1000,220000,0,3.74,0,0,0.10,360000,1,200000,31689,"I am a New Investor (1-3 properties)",Other,16890,,,304029,57,15,29,"Based on your financial information, we estimate that your risk position requires a buffer size of $7,880 - $21,367","Should interest rates rise by 1%, your total repayment will increase by $2,200 per year. If your interest rate rises by 2%, your repayment will increase by $4,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-05,"2018-11-05 03:33:18"
872,John,NSW,email@email.com,single,0,home,0,,750,week,0,week,2150,fortnight,0,,0,0,1000,220000,0,3.74,520000,0,4.09,1250000,3,200000,29887,"I am a New Investor (1-3 properties)",Other,2636,,,47461,34,9,56,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,324 - $46,689","Should interest rates rise by 1%, your total repayment will increase by $7,400 per year. If your interest rate rises by 2%, your repayment will increase by $14,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","104Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2018-11-05,"2018-11-05 03:31:47"
871,"steven francis",VIC,stevenfrancis74@outlook.com,married/defacto,1,home,0,,12000,annual,0,annual,10000,month,0,annual,6000,0,9500,530000,0,4.95,289000,289000,5.00,1500000,2,100000,-103538,"None of the above",Other,-123593,,,0,-80,20,160,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,265 - $54,103","Should interest rates rise by 1%, your total repayment will increase by $8,190 per year. If your interest rate rises by 2%, your repayment will increase by $16,380 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $5,300 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 8 Months",,"Your risk position could be improved",,0,0,2018-11-05,"2018-11-05 02:10:44"
870,hARRISON,QLD,h7115088@nwytg.net,single,0,home,0,,0,week,0,week,1800,week,0,,2000,5000,2500,0,0,4.49,0,0,4.99,0,1,25000,37800,"None of the above",Media,37800,,,680400,40,0,60,"Based on your financial information, we estimate that your risk position requires a buffer size of $7,900 - $23,600","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-04,"2018-11-04 23:05:58"
869,HM,,hmln@mailinator.com,married/defacto,2,home,0,,0,annual,0,annual,90000,annual,10000,annual,0,52000,2000,473000,0,5.40,0,0,4.99,859000,1,10000,25408,,,559,,,10074,25,26,49,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,054 - $32,865","Should interest rates rise by 1%, your total repayment will increase by $4,730 per year. If your interest rate rises by 2%, your repayment will increase by $9,460 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-04,"2018-11-04 08:25:58"
868,Noname,NSW,noname@noname.com,married/defacto,1,home,0,,0,annual,0,annual,105000,annual,52000,annual,0,0,3000,310000,0,3.79,0,0,4.99,1100000,1,10000,103688,"I am Looking to upgrade my home in future",Other,83623,,,1505214,66,7,26,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,132 - $38,052","Should interest rates rise by 1%, your total repayment will increase by $3,100 per year. If your interest rate rises by 2%, your repayment will increase by $6,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-03,"2018-11-03 09:09:05"
867,"Joe Blocks",WA,deetb@hotmail.com,married/defacto,0,renting,380,week,0,week,0,week,80000,annual,0,week,380,26000,2400,0,0,4.49,825000,0,4.65,1050000,2,10000,-19792,"I am an Advanced Investor (3+ properties)","Property Chat",-44679,,,0,-25,25,100,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,399 - $50,884","Should interest rates rise by 1%, your total repayment will increase by $8,250 per year. If your interest rate rises by 2%, your repayment will increase by $16,500 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 2 Months",,"You risk levels are high.",,0,0,2018-11-03,"2018-11-03 04:40:26"
866,Jimmy,VIC,Jimmyware6543@live.com,married/defacto,0,home,0,,23000,annual,0,week,8200,month,36000,annual,0,0,2000,282000,0,4.14,349000,0,4.50,735000,2,90000,90153,"I am looking to review my situation",Twitter,58148,,,1046672,59,8,33,"Based on your financial information, we estimate that your risk position requires a buffer size of $22,217 - $58,163","Should interest rates rise by 1%, your total repayment will increase by $6,310 per year. If your interest rate rises by 2%, your repayment will increase by $12,620 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-02,"2018-11-02 22:11:50"
865,"Micah Keall-Grant",QLD,micahkg@gmail.com,married/defacto,1,home,0,,87500,annual,0,annual,90000,annual,60000,annual,0,12000,9000,484000,0,4.99,1332000,0,4.05,2400000,3,200000,-3957,"I am an Advanced Investor (3+ properties)","Smart Property Investment",-44702,,,0,-2,11,91,"Based on your financial information, we estimate that your risk position requires a buffer size of $35,181 - $92,670","Should interest rates rise by 1%, your total repayment will increase by $18,160 per year. If your interest rate rises by 2%, your repayment will increase by $36,320 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","3Years / 2 Months",,"Your risk position is HEALTHY.",,0,0,2018-11-02,"2018-11-02 12:31:07"
864,Danny,VIC,Roachy6@hotmail.com,married/defacto,2,home,0,,8000,annual,0,annual,3600,fortnight,1800,fortnight,626,10000,7000,375000,0,3.80,96000,0,4.35,900000,1,270000,24216,"I am a New Investor (1-3 properties)","Property Chat",12361,,,222512,16,10,74,"Based on your financial information, we estimate that your risk position requires a buffer size of $12,524 - $39,335","Should interest rates rise by 1%, your total repayment will increase by $4,710 per year. If your interest rate rises by 2%, your repayment will increase by $9,420 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-02,"2018-11-02 10:17:43"
863,Danny,VIC,Roachy6@hotmail.com,married/defacto,2,home,0,,8000,annual,0,annual,3600,fortnight,1800,fortnight,626,10000,7000,375000,0,3.80,96000,0,4.35,183000,1,91000,24216,"I am a New Investor (1-3 properties)","Property Chat",12361,,,222512,16,10,74,"Based on your financial information, we estimate that your risk position requires a buffer size of $66,775 - $103,858","Should interest rates rise by 1%, your total repayment will increase by $4,710 per year. If your interest rate rises by 2%, your repayment will increase by $9,420 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","1Years / 6 Months",,"Your risk position is HEALTHY.",,0,0,2018-11-02,"2018-11-02 10:14:26"
862,"ben over",ACT,resqpara@yahoo.com,married/defacto,3,home,0,,25000,annual,0,annual,2800,fortnight,1500,fortnight,0,50000,5000,0,0,4.49,0,0,4.99,1200000,1,550000,46400,"I am looking to review my situation","Property Chat",46400,,,835200,35,0,65,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,658 - $26,633","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-11-02,"2018-11-02 07:08:24"
861,J,NSW,Jamesandmelanie@hotmail.com,married/defacto,4,home,0,,36000,annual,5000,annual,115000,annual,0,annual,0,1000,6000,90000,0,4.49,480000,0,4.04,1500000,3,50000,40678,"I am a New Investor (1-3 properties)","Property Chat",27115,,,488072,27,3,70,"Based on your financial information, we estimate that your risk position requires a buffer size of $18,751 - $51,309","Should interest rates rise by 1%, your total repayment will increase by $5,700 per year. If your interest rate rises by 2%, your repayment will increase by $11,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-31,"2018-10-31 23:33:41"
860,J,NSW,Jamesandmelanie@hotmail.com,married/defacto,4,home,0,,36900,annual,5000,annual,115000,annual,0,annual,0,1000,70000,90000,0,4.80,480000,0,4.94,1500009,3,50000,-730147,"I am a New Investor (1-3 properties)","Property Chat",-740431,,,0,-488,3,585,"Based on your financial information, we estimate that your risk position requires a buffer size of $18,751 - $51,309","Should interest rates rise by 1%, your total repayment will increase by $5,700 per year. If your interest rate rises by 2%, your repayment will increase by $11,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 0 Months",,"You risk levels are high.",,0,0,2018-10-31,"2018-10-31 23:28:35"
859,"Richard Chapman",QLD,chapmanra64@gmail.com,married/defacto,0,home,0,,500,annual,0,week,4500,month,4000,month,0,10000,4000,445000,0,3.89,0,0,4.99,1000000,1,50000,25496,"I am looking to review my situation","Property Chat",14223,,,256028,25,17,58,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,232 - $31,874","Should interest rates rise by 1%, your total repayment will increase by $4,450 per year. If your interest rate rises by 2%, your repayment will increase by $8,900 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-31,"2018-10-31 12:17:53"
858,Paul,SA,Paul@gmail.com,married/defacto,3,renting,465,week,800,month,0,week,2400,fortnight,3000,fortnight,0,0,4000,0,0,4.49,192000,192000,5.40,192000,1,95000,65887,"I am a New Investor (1-3 properties)","Property Chat",59601,,,1072831,44,16,39,"Based on your financial information, we estimate that your risk position requires a buffer size of $15,050 - $41,995","Should interest rates rise by 1%, your total repayment will increase by $1,920 per year. If your interest rate rises by 2%, your repayment will increase by $3,840 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $3,521 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-31,"2018-10-31 02:51:03"
857,"Elizabeth Webster",NSW,liz8anne3@hotmail.com,single,1,home,0,,0,week,0,week,785,week,0,,1050,1500,1720,221000,0,4.00,221000,0,4.00,500000,1,5000,-14602,"None of the above",Other,-25822,,,0,-36,22,114,"Based on your financial information, we estimate that your risk position requires a buffer size of $12,440 - $29,452","Should interest rates rise by 1%, your total repayment will increase by $4,420 per year. If your interest rate rises by 2%, your repayment will increase by $8,840 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 1 Months",,"You risk levels are high.",,0,0,2018-10-30,"2018-10-30 23:01:14"
856,dfsdfsd,ACT,test@gmail.com,single,2,home,0,,2,week,2,week,2,week,0,,2,2,2,22222,0,4.49,222,0,4.99,222,22,2222,-1148,"I am looking to review my situation","Property Chat",-22597,,,0,-394,343,152,"Based on your financial information, we estimate that your risk position requires a buffer size of $228,922 - $337,419","Should interest rates rise by 1%, your total repayment will increase by $224 per year. If your interest rate rises by 2%, your repayment will increase by $448 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 0 Months",,"You risk levels are high.",,0,0,2018-10-30,"2018-10-30 07:07:58"
855,RS,ACT,admin@confidencefinance.com.au,single,0,"Other(Living Rent Free)",0,,0,week,0,week,5000,week,0,,0,0,0,500000,0,4.49,0,0,4.99,0,0,0,229635,"I am looking to review my situation","Property Chat",182469,,,3284449,88,12,0,"Based on your financial information, we estimate that your risk position requires a buffer size of $NaN - $NaN","Should interest rates rise by 1%, your total repayment will increase by $5,000 per year. If your interest rate rises by 2%, your repayment will increase by $10,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2018-10-30,"2018-10-30 06:03:23"
854,RS,ACT,admin@confidencefinance.com.au,single,0,"Other(Living Rent Free)",0,,0,week,0,week,5000,week,0,,0,0,0,500000,0,4.49,0,0,4.99,0,0,0,229635,"I am looking to review my situation","Property Chat",182469,,,3284449,88,12,0,"Based on your financial information, we estimate that your risk position requires a buffer size of $NaN - $NaN","Should interest rates rise by 1%, your total repayment will increase by $5,000 per year. If your interest rate rises by 2%, your repayment will increase by $10,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2018-10-30,"2018-10-30 06:00:25"
853,RS,ACT,admin@confidencefinance.com.au,single,0,"Other(Living Rent Free)",0,,0,week,0,week,5000,week,0,,0,0,0,500000,0,4.49,0,0,4.99,0,0,0,229635,"I am looking to review my situation","Property Chat",182469,,,3284449,88,12,0,"Based on your financial information, we estimate that your risk position requires a buffer size of $NaN - $NaN","Should interest rates rise by 1%, your total repayment will increase by $5,000 per year. If your interest rate rises by 2%, your repayment will increase by $10,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2018-10-30,"2018-10-30 05:59:07"
852,test,ACT,admin@confidencefinance.com.au,single,0,"Other(Living Rent Free)",0,,0,week,0,week,2000,week,0,,0,0,0,0,0,4.49,500000,0,4.99,0,0,0,80152,"I am looking to review my situation","Property Chat",39594,,,712699,77,8,15,"Based on your financial information, we estimate that your risk position requires a buffer size of $NaN - $NaN","Should interest rates rise by 1%, your total repayment will increase by $5,000 per year. If your interest rate rises by 2%, your repayment will increase by $10,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2018-10-30,"2018-10-30 05:50:05"
851,Sunny,NSW,sunnybal1@rediffmail.com,married/defacto,3,renting,590,week,0,annual,0,annual,80000,annual,125000,annual,1000,3000,5000,900000,0,4.49,0,0,4.99,900000,1,10000,46582,"I am looking to review my situation",Media,27564,,,496169,23,35,43,"Based on your financial information, we estimate that your risk position requires a buffer size of $32,791 - $79,451","Should interest rates rise by 1%, your total repayment will increase by $9,000 per year. If your interest rate rises by 2%, your repayment will increase by $18,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","2Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-29,"2018-10-29 05:17:03"
850,"Steve Douglas",NSW,Sdouglas@doctors.org.uk,married/defacto,0,renting,1400,fortnight,0,week,0,week,140000,annual,700,fortnight,0,25000,3500,0,0,4.49,0,0,4.99,0,0,100000,70800,"I am a First Home Buyer","Property Chat",64799,,,1166399,45,23,32,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,591 - $26,366","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-29,"2018-10-29 04:39:31"
849,"Bill Sanders",SA,gojimug@gmail.com,married/defacto,1,home,0,,440,week,0,week,67933,annual,54833,annual,900,11000,2500,593600,0,4.14,364500,0,3.93,1100000,2,6000,40316,"I am a New Investor (1-3 properties)","Smart Property Investment",5175,,,93154,29,17,54,"Based on your financial information, we estimate that your risk position requires a buffer size of $26,947 - $67,325","Should interest rates rise by 1%, your total repayment will increase by $9,581 per year. If your interest rate rises by 2%, your repayment will increase by $19,162 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","1Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-27,"2018-10-27 06:26:22"
848,"sun Aru",VIC,fop2219@gmail.com,single,0,home,0,,1000,month,0,week,2500,fortnight,0,,0,0,800,200000,0,3.79,100000,0,4.99,800000,2,2000,45509,"I am a New Investor (1-3 properties)",Media,27154,,,488783,61,10,29,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,716 - $31,092","Should interest rates rise by 1%, your total repayment will increase by $3,000 per year. If your interest rate rises by 2%, your repayment will increase by $6,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-26,"2018-10-26 09:14:45"
847,testing,NSW,redomsyed@Hotmail.com,single,0,"Other(Living Rent Free)",0,,0,fortnight,0,week,2000,week,0,,0,0,0,0,0,4.49,0,0,4.99,0,0,0,104000,"I am looking to review my situation","Property Chat",72200,,,1299600,100,8,-7,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,333 - $17,333","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-26,"2018-10-26 07:15:42"
846,"Testing 123",ACT,test@hotmail.com,single,0,home,0,,0,week,0,week,500,week,0,,0,0,500,0,0,4.49,0,0,4.99,0,0,0,20000,"I am looking to review my situation","Property Chat",4999,,,89999,77,0,23,"Based on your financial information, we estimate that your risk position requires a buffer size of $1,083 - $4,333","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-26,"2018-10-26 05:00:04"
845,Test,ACT,admin@confidencefinance.com.au,married/defacto,0,renting,500,fortnight,0,week,0,week,5000,week,5000,week,0,0,2000,0,0,4.49,0,0,4.99,0,0,0,483000,"I am looking to review my situation","Property Chat",459000,,,8262000,93,3,5,"Based on your financial information, we estimate that your risk position requires a buffer size of $21,666 - $86,666","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-26,"2018-10-26 04:46:18"
844,"Plau Luat",NSW,Pluatt1667@gmail.com,married/defacto,2,home,0,,0,week,0,week,3343,fortnight,1750,fortnight,800,15000,5000,220000,0,4.00,0,0,4.99,950000,1,20000,44814,,,39408,,,709353,34,7,60,"Based on your financial information, we estimate that your risk position requires a buffer size of $9,764 - $32,629","Should interest rates rise by 1%, your total repayment will increase by $2,200 per year. If your interest rate rises by 2%, your repayment will increase by $4,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-26,"2018-10-26 04:42:47"
843,Dsutton,NSW,Suttond_2@hotmail.com,married/defacto,2,"Other(Living Rent Free)",0,,90000,annual,5000,annual,260000,annual,30000,annual,6600,2500,7500,0,0,4.49,1900000,1900000,4.49,3200000,2,250000,116585,"None of the above",Other,29295,,,527310,32,2,66,"Based on your financial information, we estimate that your risk position requires a buffer size of $41,671 - $124,864","Should interest rates rise by 1%, your total repayment will increase by $19,000 per year. If your interest rate rises by 2%, your repayment will increase by $38,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $34,846 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-25,"2018-10-25 18:17:53"
842,JC,QLD,chan.jonathan@gmail.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,175000,annual,0,,0,14000,2000,0,0,4.30,3000000,0,4.30,4000000,9,400000,17756,"I am an Advanced Investor (3+ properties)","Property Chat",-62273,,,0,10,4,85,"Based on your financial information, we estimate that your risk position requires a buffer size of $70,948 - $171,880","Should interest rates rise by 1%, your total repayment will increase by $30,000 per year. If your interest rate rises by 2%, your repayment will increase by $60,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","4Years / 2 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-25,"2018-10-25 12:51:02"
841,"Spencer Cook",VIC,spencer.cook@bigpond.com,married/defacto,2,home,0,,3900,week,0,week,1866,week,1700,fortnight,0,42000,4200,0,0,4.49,3780000,309000,3.95,7800000,10,36000,31000,"I am an Advanced Investor (3+ properties)",Other,-70081,,,0,10,0,90,"Based on your financial information, we estimate that your risk position requires a buffer size of $70,052 - $176,008","Should interest rates rise by 1%, your total repayment will increase by $37,800 per year. If your interest rate rises by 2%, your repayment will increase by $75,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $5,667 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 4 Months",,"You risk levels are high.",,0,0,2018-10-25,"2018-10-25 09:13:38"
840,"George Smith",QLD,george123@hotmail.com,married/defacto,2,home,0,,900,week,0,week,300000,annual,50000,annual,0,6000,4000,0,0,3.95,730000,0,4.30,2100000,4,700000,292231,"None of the above",Twitter,275823,,,4964815,75,0,25,"Based on your financial information, we estimate that your risk position requires a buffer size of $32,724 - $100,340","Should interest rates rise by 1%, your total repayment will increase by $7,300 per year. If your interest rate rises by 2%, your repayment will increase by $14,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-25,"2018-10-25 06:39:02"
839,"Joseph Skewes",SA,skewes.joseph@gmail.com,married/defacto,0,home,0,,16000,annual,0,annual,64000,annual,61000,annual,0,30000,2800,230000,0,3.88,280000,0,4.19,630000,2,50000,63928,"I am Looking to upgrade my home in future","Property Chat",43176,,,777182,46,6,47,"Based on your financial information, we estimate that your risk position requires a buffer size of $18,611 - $51,022","Should interest rates rise by 1%, your total repayment will increase by $5,100 per year. If your interest rate rises by 2%, your repayment will increase by $10,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-25,"2018-10-25 03:25:33"
838,Tom,NSW,tom@steelcorpreo.com.au,married/defacto,3,home,0,,2150,week,0,week,2000,week,0,week,0,0,2000,820000,0,4.09,1656000,1656000,4.75,4150000,4,150000,37770,"I am an Advanced Investor (3+ properties)","Property Chat",-64842,,,0,20,17,63,"Based on your financial information, we estimate that your risk position requires a buffer size of $45,106 - $117,639","Should interest rates rise by 1%, your total repayment will increase by $24,760 per year. If your interest rate rises by 2%, your repayment will increase by $49,520 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $30,371 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","3Years / 7 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-24,"2018-10-24 08:45:14"
837,"No Name",NSW,none@none.org,married/defacto,0,renting,400,week,0,week,0,week,7600,month,0,week,0,0,3000,0,0,4.49,0,0,4.99,0,0,112000,34400,"I am looking to review my situation","Property Chat",33200,,,597600,38,23,39,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,800 - $15,200","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-24,"2018-10-24 01:28:10"
836,"Peter T",VIC,petert71@yahoo.com.au,married/defacto,0,home,0,,80000,annual,130000,annual,70000,annual,70000,annual,0,2000,4000,700000,0,3.64,1000000,450000,4.50,4000000,4,300000,186180,"I am an Advanced Investor (3+ properties)",Other,136891,,,2464055,56,8,37,"Based on your financial information, we estimate that your risk position requires a buffer size of $30,936 - $87,174","Should interest rates rise by 1%, your total repayment will increase by $17,000 per year. If your interest rate rises by 2%, your repayment will increase by $34,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $8,253 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-24,"2018-10-24 01:01:49"
835,"Roslyn Ristuccia",NSW,Roslyn.ristuccia@gmail.com,married/defacto,0,home,0,,188000,annual,0,week,1800,fortnight,0,fortnight,0,0,6700,0,0,4.49,2234000,2234000,4.43,5540000,6,145000,-618,"I am an Advanced Investor (3+ properties)","Property Chat",-95421,,,0,0,0,100,"Based on your financial information, we estimate that your risk position requires a buffer size of $51,900 - $133,803","Should interest rates rise by 1%, your total repayment will increase by $22,340 per year. If your interest rate rises by 2%, your repayment will increase by $44,680 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $40,972 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 6 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-23,"2018-10-23 22:21:40"
834,"Roslyn Ristuccia",NSW,Roslyn.ristuccia@gmail.com,married/defacto,0,home,0,,188000,annual,0,week,1800,fortnight,0,fortnight,0,0,6700,0,0,4.49,2234000,100,4.43,5540000,6,145000,-36370,"I am an Advanced Investor (3+ properties)","Property Chat",-84530,,,0,-18,0,118,"Based on your financial information, we estimate that your risk position requires a buffer size of $41,657 - $103,075","Should interest rates rise by 1%, your total repayment will increase by $22,340 per year. If your interest rate rises by 2%, your repayment will increase by $44,680 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $2 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 4 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-23,"2018-10-23 22:19:04"
833,"Subbu Palaniappan",NSW,Subbu.palaniappan@hotmail.com,married/defacto,1,renting,460,week,993,fortnight,0,week,9518,month,3161,month,635,10000,2800,460000,0,4.49,68000,0,4.99,630000,1,0,65241,"I am a New Investor (1-3 properties)","Property Chat",45929,,,826736,38,26,36,"Based on your financial information, we estimate that your risk position requires a buffer size of $16,876 - $49,126","Should interest rates rise by 1%, your total repayment will increase by $5,280 per year. If your interest rate rises by 2%, your repayment will increase by $10,560 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-23,"2018-10-23 21:06:24"
832,rg,,kjfhd@hotmail.com,married/defacto,1,renting,520,week,2400,week,0,week,3600,fortnight,2400,fortnight,0,6000,2000,0,0,4.49,2335000,2165000,4.50,2950000,5,180000,96816,,,-15124,,,0,38,11,52,"Based on your financial information, we estimate that your risk position requires a buffer size of $59,467 - $157,745","Should interest rates rise by 1%, your total repayment will increase by $23,350 per year. If your interest rate rises by 2%, your repayment will increase by $46,700 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $39,707 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","23Years / 10 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-23,"2018-10-23 03:59:50"
831,rg,,kjfhd@hotmail.com,married/defacto,1,renting,520,week,2400,week,0,week,3600,fortnight,2400,fortnight,0,6000,11000,0,0,4.49,2335000,2165000,4.50,2950000,5,180000,-11184,,,-105124,,,0,-4,11,94,"Based on your financial information, we estimate that your risk position requires a buffer size of $59,467 - $157,745","Should interest rates rise by 1%, your total repayment will increase by $23,350 per year. If your interest rate rises by 2%, your repayment will increase by $46,700 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $39,707 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 6 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-23,"2018-10-23 03:55:36"
830,"Wanling Lu",QLD,carolluiwl@gmail.com,married/defacto,3,home,0,,785,week,0,week,1200,fortnight,800,week,0,10000,2000,620000,0,5.27,648300,648300,5.15,1750000,3,30000,2004,"I am looking to review my situation",Other,-43617,,,0,2,31,67,"Based on your financial information, we estimate that your risk position requires a buffer size of $29,197 - $72,657","Should interest rates rise by 1%, your total repayment will increase by $12,683 per year. If your interest rate rises by 2%, your repayment will increase by $25,366 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $11,890 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 7 Months",,"Your risk position could be improved",,0,0,2018-10-23,"2018-10-23 00:56:21"
829,"Tom Nevin",QLD,tomnevin1983@gmail.com,married/defacto,1,home,0,,4000,month,0,annual,10000,month,0,annual,0,12500,3000,750000,750000,2.29,800000,800000,2.50,1900000,3,20000,79837,"I am looking to review my situation","Property Chat",-23430,,,0,50,11,39,"Based on your financial information, we estimate that your risk position requires a buffer size of $41,135 - $109,139","Should interest rates rise by 1%, your total repayment will increase by $15,500 per year. If your interest rate rises by 2%, your repayment will increase by $31,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $28,427 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-22,"2018-10-22 11:14:50"
828,"geo pet",VIC,g@pj.com,married/defacto,1,home,0,,6000,month,100,month,20000,month,1500,month,1000,17500,2500,0,0,4.49,950000,950000,5.42,5225000,6,75000,211516,"I am an Advanced Investor (3+ properties)",Media,162605,,,2926899,67,0,33,"Based on your financial information, we estimate that your risk position requires a buffer size of $39,429 - $114,277","Should interest rates rise by 1%, your total repayment will increase by $9,500 per year. If your interest rate rises by 2%, your repayment will increase by $19,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $17,423 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-22,"2018-10-22 10:35:38"
827,"William Zhang",NSW,williamzhang10@gmail.com,married/defacto,0,"Other(Living Rent Free)",0,,185000,annual,1500,annual,70000,annual,80000,annual,0,10000,7000,0,0,4.49,2300000,0,4.50,4600000,6,800000,55590,"I am an Advanced Investor (3+ properties)",Other,-645,,,0,19,3,79,"Based on your financial information, we estimate that your risk position requires a buffer size of $43,722 - $113,293","Should interest rates rise by 1%, your total repayment will increase by $23,000 per year. If your interest rate rises by 2%, your repayment will increase by $46,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","40Years / 7 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-22,"2018-10-22 10:09:13"
826,"William Zhang",NSW,williamzhang10@gmail.com,married/defacto,0,"Other(Living Rent Free)",0,,175000,annual,1500,annual,70000,annual,80000,annual,0,10000,8000,0,0,4.49,2550000,250000,4.50,4500000,6,800000,31462,"I am an Advanced Investor (3+ properties)",Other,-35207,,,0,11,3,87,"Based on your financial information, we estimate that your risk position requires a buffer size of $48,523 - $123,213","Should interest rates rise by 1%, your total repayment will increase by $25,500 per year. If your interest rate rises by 2%, your repayment will increase by $51,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $4,585 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","15Years / 7 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-22,"2018-10-22 10:07:06"
825,"William Zhang",NSW,williamzhang10@gmail.com,married/defacto,0,"Other(Living Rent Free)",0,,160000,annual,1500,annual,70000,annual,80000,annual,0,10000,7000,512000,512000,4.50,2050000,250000,4.49,4500000,6,800000,35092,"I am an Advanced Investor (3+ properties)",Other,-42571,,,0,13,11,76,"Based on your financial information, we estimate that your risk position requires a buffer size of $50,517 - $129,518","Should interest rates rise by 1%, your total repayment will increase by $25,620 per year. If your interest rate rises by 2%, your repayment will increase by $51,240 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $13,975 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","15Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-22,"2018-10-22 09:57:20"
824,"William Zhang",NSW,williamzhang10@gmail.com,married/defacto,0,"Other(Living Rent Free)",0,,160000,annual,1500,annual,70000,annual,80000,annual,0,10000,8000,512000,512000,4.50,2050000,250000,4.49,4500000,6,800000,23092,"I am an Advanced Investor (3+ properties)",Other,-54571,,,0,8,11,81,"Based on your financial information, we estimate that your risk position requires a buffer size of $50,517 - $129,518","Should interest rates rise by 1%, your total repayment will increase by $25,620 per year. If your interest rate rises by 2%, your repayment will increase by $51,240 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $13,975 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","12Years / 6 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-22,"2018-10-22 09:53:05"
823,"William Zhang",NSW,williamzhang10@gmail.com,married/defacto,0,"Other(Living Rent Free)",0,,160000,annual,1500,annual,70000,annual,80000,annual,0,10000,100000,512000,512000,4.50,2050000,250000,4.49,4500000,6,800000,-1080908,"I am an Advanced Investor (3+ properties)",Other,-1158571,,,0,-387,11,476,"Based on your financial information, we estimate that your risk position requires a buffer size of $50,517 - $129,518","Should interest rates rise by 1%, your total repayment will increase by $25,620 per year. If your interest rate rises by 2%, your repayment will increase by $51,240 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $13,975 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 8 Months",,"Your risk position could be improved",,0,0,2018-10-22,"2018-10-22 09:51:51"
822,John,VIC,jrdavies76@gmail.com,married/defacto,2,home,0,,370,week,0,week,3300,fortnight,1100,fortnight,380,6000,3500,480000,0,4.00,197000,0,3.88,1400000,2,0,40035,"I am a New Investor (1-3 properties)",Other,23237,,,418266,31,15,54,"Based on your financial information, we estimate that your risk position requires a buffer size of $16,189 - $45,990","Should interest rates rise by 1%, your total repayment will increase by $6,770 per year. If your interest rate rises by 2%, your repayment will increase by $13,540 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-22,"2018-10-22 05:18:14"
821,Jovi,NSW,jovivillanueva@hotmual.com,single,0,"Other(Living Rent Free)",0,,100,month,0,week,1549,week,0,,300,5000,3000,0,0,4.49,0,0,4.99,0,0,40000,39753,"I am looking to review my situation","Property Chat",31952,,,575150,49,10,42,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,356 - $13,424","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-22,"2018-10-22 04:42:37"
820,Jovi,NSW,jovivillanueva@hotmual.com,single,0,"Other(Living Rent Free)",0,,100,month,0,week,1549,week,0,,300,5000,2150,0,0,4.49,0,0,4.99,0,0,40000,49953,"I am looking to review my situation","Property Chat",42152,,,758750,61,10,29,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,356 - $13,424","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-22,"2018-10-22 04:40:58"
819,Jovi,NSW,jovivillanueva@hotmail.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,1549,week,0,,250,5000,4000,0,0,4.49,0,0,4.99,0,0,40000,27748,"I am looking to review my situation","Property Chat",19947,,,359063,34,10,56,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,356 - $13,424","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-22,"2018-10-22 04:37:16"
818,Frank,VIC,fcn@live.co.uk,married/defacto,2,renting,3200,month,20935,month,0,week,143000,annual,18000,annual,0,10000,4000,0,0,4.49,4130000,0,4.24,7575000,8,25000,22864,"I am an Advanced Investor (3+ properties)","Property Chat",-71707,,,0,6,11,83,"Based on your financial information, we estimate that your risk position requires a buffer size of $67,068 - $169,021","Should interest rates rise by 1%, your total repayment will increase by $41,300 per year. If your interest rate rises by 2%, your repayment will increase by $82,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 3 Months",,"You risk levels are high.",,0,0,2018-10-22,"2018-10-22 04:26:10"
817,"Christine Muir",VIC,petermuir2@bigpond.com,married/defacto,0,renting,1955,month,0,week,0,week,5000,month,1000,month,447,10000,2000,0,0,0.10,0,0,4.99,0,0,60000,15576,"None of the above",Media,2376,,,42768,22,33,46,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,000 - $12,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-22,"2018-10-22 04:11:38"
816,Frank,VIC,fcn@live.co.uk,married/defacto,2,renting,3200,month,220000,annual,0,week,5000,fortnight,1000,month,17000,10000,3000,0,0,4.24,3400000,0,4.24,7300000,8,25000,-172983,"I am an Advanced Investor (3+ properties)","Property Chat",-256837,,,0,-54,12,142,"Based on your financial information, we estimate that your risk position requires a buffer size of $57,607 - $148,339","Should interest rates rise by 1%, your total repayment will increase by $34,000 per year. If your interest rate rises by 2%, your repayment will increase by $68,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 1 Months",,"You risk levels are high.",,0,0,2018-10-22,"2018-10-22 03:36:46"
815,"Jack Brazel",VIC,jbrazel@turnitin.com,single,0,renting,1304,month,50,month,15000,annual,5400,month,0,,0,4000,2000,0,0,4.49,0,0,4.99,0,0,35000,39014,"I am a First Home Buyer","Property Chat",39014,,,702259,49,19,32,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,700 - $10,800","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-22,"2018-10-22 03:20:05"
814,Andrew,WA,neezymcneez@live.com,married/defacto,1,home,0,,0,week,0,week,80000,annual,25000,annual,0,0,2000,300000,0,4.49,0,0,4.99,450000,1,10000,62781,"I am looking to review my situation",Other,38441,,,691949,60,13,27,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,750 - $31,322","Should interest rates rise by 1%, your total repayment will increase by $3,000 per year. If your interest rate rises by 2%, your repayment will increase by $6,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-22,"2018-10-22 02:40:10"
813,JS,VIC,go4singjs@gmail.com,married/defacto,3,home,0,,40000,annual,0,week,5350,month,450,month,0,4000,2500,290000,0,4.49,800000,0,4.99,2000000,3,30000,2552,"I am a New Investor (1-3 properties)",Other,-24788,,,0,3,13,85,"Based on your financial information, we estimate that your risk position requires a buffer size of $21,458 - $54,384","Should interest rates rise by 1%, your total repayment will increase by $10,900 per year. If your interest rate rises by 2%, your repayment will increase by $21,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 10 Months",,"Your risk position could be improved",,0,0,2018-10-22,"2018-10-22 02:35:16"
812,michael,VIC,hopperscryptotrader@gmail.com,married/defacto,2,home,0,,3200,month,0,week,5200,fortnight,0,annual,0,0,3000,320000,0,3.89,800000,0,4.19,2000000,3,30000,66894,"I am looking to review my situation",Other,34189,,,615403,40,8,52,"Based on your financial information, we estimate that your risk position requires a buffer size of $24,634 - $66,134","Should interest rates rise by 1%, your total repayment will increase by $11,200 per year. If your interest rate rises by 2%, your repayment will increase by $22,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-22,"2018-10-22 00:41:48"
811,jack,NSW,g4557299@nwytg.net,married/defacto,1,home,0,,420,week,0,week,8500,month,6200,month,0,15000,7000,500000,500000,4.22,300000,300000,4.20,1100000,2,360000,69302,"None of the above",Other,33612,,,605032,36,11,53,"Based on your financial information, we estimate that your risk position requires a buffer size of $26,109 - $73,962","Should interest rates rise by 1%, your total repayment will increase by $8,000 per year. If your interest rate rises by 2%, your repayment will increase by $16,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $14,672 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-21,"2018-10-21 10:51:44"
810,Jo,WA,dontknowyou@hotmail.com,married/defacto,0,renting,400,week,0,week,0,week,2800,fortnight,1300,fortnight,0,7500,1300,0,0,0.10,0,0,4.99,0,0,50000,67500,"None of the above","Property Chat",41100,,,739800,63,20,17,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,441 - $17,766","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-21,"2018-10-21 07:54:33"
809,"Cameron Morgan",VIC,cameronmorgan1972@gmail.com,married/defacto,3,home,0,,2680,month,0,month,26000,month,6617,month,0,10000,15000,200000,100000,4.49,3000000,3000000,4.99,5750000,6,100000,113700,"I am an Advanced Investor (3+ properties)",Media,-3107,,,0,27,2,71,"Based on your financial information, we estimate that your risk position requires a buffer size of $74,348 - $211,677","Should interest rates rise by 1%, your total repayment will increase by $32,000 per year. If your interest rate rises by 2%, your repayment will increase by $64,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $56,855 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","4Years / 9 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-21,"2018-10-21 04:00:43"
808,"Bruce Wayne",QLD,miximitosis@hotmail.com,married/defacto,0,home,0,,0,week,0,week,2037,fortnight,5000,month,357,11000,4000,310000,0,4.49,0,0,4.99,340000,1,15000,37891,"I am Looking to upgrade my home in future",Media,31341,,,564138,34,12,54,"Based on your financial information, we estimate that your risk position requires a buffer size of $13,971 - $37,716","Should interest rates rise by 1%, your total repayment will increase by $3,100 per year. If your interest rate rises by 2%, your repayment will increase by $6,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-21,"2018-10-21 02:43:53"
807,John,VIC,email@email.com,single,0,home,0,,300,week,0,week,2150,fortnight,0,,0,0,1000,220000,0,3.74,220000,0,4.09,810000,2,280000,30473,"None of the above","Property Chat",10406,,,187316,45,12,43,"Based on your financial information, we estimate that your risk position requires a buffer size of $12,964 - $32,885","Should interest rates rise by 1%, your total repayment will increase by $4,400 per year. If your interest rate rises by 2%, your repayment will increase by $8,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-20,"2018-10-20 09:41:37"
806,John,VIC,email@email.com,single,0,home,0,,300,week,0,week,2350,fortnight,0,,0,0,1000,220000,0,3.74,220000,0,4.09,810000,2,280000,NaN,"None of the above","Property Chat",NaN,,,0,NaN,NaN,NaN,"Based on your financial information, we estimate that your risk position requires a buffer size of $NaN - $NaN","Should interest rates rise by 1%, your total repayment will increase by $4,400 per year. If your interest rate rises by 2%, your repayment will increase by $8,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2018-10-20,"2018-10-20 09:40:09"
805,John,VIC,email@email.com,single,0,home,0,,750,week,0,week,2350,fortnight,0,,0,0,1000,220000,0,3.74,530000,0,4.09,1130000,3,280000,34675,"None of the above","Property Chat",7184,,,129323,38,9,54,"Based on your financial information, we estimate that your risk position requires a buffer size of $20,448 - $48,698","Should interest rates rise by 1%, your total repayment will increase by $7,500 per year. If your interest rate rises by 2%, your repayment will increase by $15,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-20,"2018-10-20 09:36:38"
804,John,VIC,email@email.com,single,0,home,0,,750,week,0,week,2150,fortnight,0,,0,0,1000,220000,0,3.74,530000,0,4.09,0,1130000,280000,29475,"None of the above","Property Chat",1984,,,35723,34,9,57,"Based on your financial information, we estimate that your risk position requires a buffer size of $NaN - $NaN","Should interest rates rise by 1%, your total repayment will increase by $7,500 per year. If your interest rate rises by 2%, your repayment will increase by $15,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2018-10-20,"2018-10-20 09:27:51"
803,"Jayne Hardy",SA,web2assist@gmail.com,married/defacto,0,renting,170,fortnight,0,week,0,week,350,fortnight,1100,fortnight,0,2000,800,0,0,4.49,0,0,4.99,0,0,7000,22960,"I am a First Home Buyer",Media,-8019,,,0,61,21,18,"Based on your financial information, we estimate that your risk position requires a buffer size of $1,570 - $6,283","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-20,"2018-10-20 08:10:19"
802,"Stephen Jennings",NSW,stephenjennings101@gmail.com,married/defacto,1,renting,570,week,0,week,0,week,1950,week,1203,week,0,0,5900,0,0,4.49,0,0,4.99,0,0,50000,63516,"I am looking to review my situation","Property Chat",63516,,,1143288,39,18,43,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,831 - $27,326","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-20,"2018-10-20 06:29:43"
801,"Stephen Jennings",NSW,stephenjennings101@gmail.com,single,0,renting,500,week,0,week,0,week,3904,fortnight,0,,0,0,1950,0,0,4.49,0,0,4.99,0,0,50000,52104,"I am looking to review my situation","Property Chat",51504,,,927072,51,26,23,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,229 - $16,917","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-20,"2018-10-20 06:12:41"
800,"dave robertson",VIC,robertson.davidn@outlook.com,married/defacto,2,home,0,,0,week,0,week,4795,month,1655,fortnight,0,6000,4000,360000,0,3.79,0,0,4.99,800000,1,12000,30305,"I am looking to review my situation",Media,20939,,,376919,30,14,56,"Based on your financial information, we estimate that your risk position requires a buffer size of $9,822 - $30,354","Should interest rates rise by 1%, your total repayment will increase by $3,600 per year. If your interest rate rises by 2%, your repayment will increase by $7,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-20,"2018-10-20 02:45:26"
799,"dave robertson",VIC,robertson.davidn@outlook.com,married/defacto,2,home,0,,0,week,0,week,4795,month,1655,fortnight,0,6000,7500,360000,0,3.79,0,0,4.99,800000,1,12000,-11695,"I am looking to review my situation",Media,-21060,,,0,-12,14,98,"Based on your financial information, we estimate that your risk position requires a buffer size of $9,822 - $30,354","Should interest rates rise by 1%, your total repayment will increase by $3,600 per year. If your interest rate rises by 2%, your repayment will increase by $7,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 4 Months",,"You risk levels are high.",,0,0,2018-10-20,"2018-10-20 02:43:48"
798,"Brett J",WA,brett.jolly@live.com,single,0,home,0,,380,week,0,week,7700,month,0,,470,18000,1500,430000,0,3.90,675000,675000,5.40,1250000,2,10000,22690,"I am looking to review my situation","Property Chat",-13269,,,0,21,15,64,"Based on your financial information, we estimate that your risk position requires a buffer size of $31,795 - $77,306","Should interest rates rise by 1%, your total repayment will increase by $11,050 per year. If your interest rate rises by 2%, your repayment will increase by $22,100 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $12,379 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 4 Months",,"You risk levels are high.",,0,0,2018-10-19,"2018-10-19 14:25:37"
797,"Rod Stelling",VIC,rovienterprises@gmail.com,married/defacto,1,home,0,,0,week,500,week,150000,annual,800,week,4500,150000,5000,600000,600000,5.40,600000,600000,5.40,1650000,1,2000,-5210,"I am looking to review my situation",Other,-44494,,,0,-2,15,88,"Based on your financial information, we estimate that your risk position requires a buffer size of $28,122 - $82,776","Should interest rates rise by 1%, your total repayment will increase by $12,000 per year. If your interest rate rises by 2%, your repayment will increase by $24,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $22,008 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 0 Months",,"You risk levels are high.",,0,0,2018-10-18,"2018-10-18 23:30:41"
796,"Nicola Tee",NSW,nicola.thomson@gmail.com,married/defacto,1,home,0,,0,week,0,week,3000,fortnight,3000,fortnight,0,0,7500,510000,0,3.80,0,0,4.99,1600000,1,10000,37483,"None of the above",Other,24250,,,436514,24,12,64,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,766 - $40,728","Should interest rates rise by 1%, your total repayment will increase by $5,100 per year. If your interest rate rises by 2%, your repayment will increase by $10,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-18,"2018-10-18 21:56:28"
795,"Gary Owen",NSW,gazowen59@gmail.com,married/defacto,0,home,0,,0,week,0,week,1100,week,1100,week,2500,30000,5000,250000,0,4.19,0,0,0.10,850000,1,300000,-1053,"None of the above","Smart Property Investment",-6865,,,0,-1,9,92,"Based on your financial information, we estimate that your risk position requires a buffer size of $9,290 - $30,255","Should interest rates rise by 1%, your total repayment will increase by $2,500 per year. If your interest rate rises by 2%, your repayment will increase by $5,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","16Years / 3 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-18,"2018-10-18 21:49:48"
794,Stuart,NSW,stu_barber79@hotmail.com,married/defacto,1,home,0,,0,week,0,week,45000,annual,40000,annual,0,2000,3000,380000,380000,4.30,0,0,0.10,600000,1,65000,31940,"I am looking to review my situation","Property Chat",14120,,,254160,38,19,43,"Based on your financial information, we estimate that your risk position requires a buffer size of $12,094 - $34,541","Should interest rates rise by 1%, your total repayment will increase by $3,800 per year. If your interest rate rises by 2%, your repayment will increase by $7,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $6,969 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-18,"2018-10-18 03:12:52"
793,Paul,QLD,pp@hutchies.com.au,married/defacto,0,home,0,,0,week,0,week,2500,week,900,week,0,6000,5000,300000,0,4.49,0,0,4.99,950000,1,100000,96421,"None of the above","Property Chat",90081,,,1621469,55,8,38,"Based on your financial information, we estimate that your risk position requires a buffer size of $12,097 - $41,408","Should interest rates rise by 1%, your total repayment will increase by $3,000 per year. If your interest rate rises by 2%, your repayment will increase by $6,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-16,"2018-10-16 20:43:18"
792,"Dd Pp",WA,d_pande@hotmail.com,married/defacto,3,home,0,,0,week,0,week,124000,annual,0,annual,0,10000,3500,345000,0,3.69,0,0,0.10,650000,0,90000,59368,"I am Looking to upgrade my home in future","Property Chat",50157,,,902842,48,10,42,"Based on your financial information, we estimate that your risk position requires a buffer size of $7,165 - $26,524","Should interest rates rise by 1%, your total repayment will increase by $3,450 per year. If your interest rate rises by 2%, your repayment will increase by $6,900 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-15,"2018-10-15 11:46:04"
791,"Derek Burden",QLD,Burden.derek@gmail.com,married/defacto,0,home,0,,400,week,20000,annual,2600,fortnight,2000,fortnight,1700,8000,2500,480000,0,3.84,300000,260000,4.09,1100000,2,20000,61877,"None of the above","Property Chat",24678,,,444218,40,12,49,"Based on your financial information, we estimate that your risk position requires a buffer size of $20,868 - $55,615","Should interest rates rise by 1%, your total repayment will increase by $7,800 per year. If your interest rate rises by 2%, your repayment will increase by $15,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $4,768 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-15,"2018-10-15 09:48:17"
790,Tom,QLD,tceccato@sidra.org,married/defacto,0,renting,400,week,0,week,0,week,2400,fortnight,2000,fortnight,0,10000,2000,0,0,4.49,800000,0,4.99,1000000,2,20000,27844,"I am looking to review my situation","Property Chat",-4168,,,0,24,18,57,"Based on your financial information, we estimate that your risk position requires a buffer size of $20,766 - $56,780","Should interest rates rise by 1%, your total repayment will increase by $8,000 per year. If your interest rate rises by 2%, your repayment will increase by $16,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","2Years / 4 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-15,"2018-10-15 09:41:05"
789,Miro,NSW,jaromirkonik@gmail.com,married/defacto,0,home,0,,1500,month,0,week,1400,week,1000,week,0,0,860,0,0,4.49,465000,0,3.99,1150000,2,95000,104687,"I am a New Investor (1-3 properties)","Property Chat",61548,,,1107878,75,0,25,"Based on your financial information, we estimate that your risk position requires a buffer size of $14,976 - $43,646","Should interest rates rise by 1%, your total repayment will increase by $4,650 per year. If your interest rate rises by 2%, your repayment will increase by $9,300 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-15,"2018-10-15 08:19:01"
788,"Tracy Lee",QLD,tracy.h.lee@gmail.com,married/defacto,2,home,0,,2395,month,0,week,6189,month,2577,fortnight,3511,2000,3500,0,0,0.10,1989079,1289079,4.70,5350000,4,1047000,-131,"I am an Advanced Investor (3+ properties)","Property Chat",-65092,,,0,0,0,100,"Based on your financial information, we estimate that your risk position requires a buffer size of $34,378 - $101,400","Should interest rates rise by 1%, your total repayment will increase by $19,890 per year. If your interest rate rises by 2%, your repayment will increase by $39,781 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $23,642 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","16Years / 1 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-15,"2018-10-15 06:01:13"
787,"Andrew W",NSW,wong_1818@hotmail.com,married/defacto,0,renting,350,week,141440,annual,320,week,2480,fortnight,3250,fortnight,0,6000,3800,585000,585000,4.59,1719000,1719000,4.64,1799000,4,200000,92954,"I am an Advanced Investor (3+ properties)","Property Chat",-274,,,0,33,16,50,"Based on your financial information, we estimate that your risk position requires a buffer size of $125,033 - $230,170","Should interest rates rise by 1%, your total repayment will increase by $23,040 per year. If your interest rate rises by 2%, your repayment will increase by $46,080 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $42,256 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","2Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-15,"2018-10-15 05:18:19"
786,"Andrew W",NSW,wong_1818@hotmail.com,married/defacto,0,renting,350,week,141440,annual,320,week,2480,fortnight,3250,fortnight,8500,6000,3800,585000,585000,4.59,1719000,1719000,4.64,1799000,4,200000,-9046,"I am an Advanced Investor (3+ properties)","Property Chat",-102274,,,0,-3,16,87,"Based on your financial information, we estimate that your risk position requires a buffer size of $125,033 - $230,170","Should interest rates rise by 1%, your total repayment will increase by $23,040 per year. If your interest rate rises by 2%, your repayment will increase by $46,080 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $42,256 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","1Years / 1 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-15,"2018-10-15 05:15:34"
785,"Andrew W",NSW,wong_1818@hotmail.com,married/defacto,0,renting,350,week,141440,annual,320,week,2480,fortnight,3250,fortnight,8500,6000,3800,585000,585000,4.59,17190000,1719000,4.64,1799000,4,200000,-707632,"I am an Advanced Investor (3+ properties)","Property Chat",-1111156,,,0,-254,16,338,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,298,376 - $12,099,964","Should interest rates rise by 1%, your total repayment will increase by $177,750 per year. If your interest rate rises by 2%, your repayment will increase by $355,500 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $42,256 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 0 Months",,"You risk levels are high.",,0,0,2018-10-15,"2018-10-15 05:14:21"
784,"Rekha O\'Sullivan",QLD,rekha.osullivan@gmail.com.au,married/defacto,2,home,0,,1000,fortnight,0,week,2000,fortnight,6500,month,6800,41000,4500,600000,0,3.90,400000,400000,4.59,1480000,2,5000,-52916,"None of the above",Media,-84407,,,0,-35,16,120,"Based on your financial information, we estimate that your risk position requires a buffer size of $23,308 - $62,734","Should interest rates rise by 1%, your total repayment will increase by $10,000 per year. If your interest rate rises by 2%, your repayment will increase by $20,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $7,336 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 0 Months",,"You risk levels are high.",,0,0,2018-10-15,"2018-10-15 01:16:18"
783,"ian C",VIC,heroicmedia@hotmail.co.uk,married/defacto,0,renting,1000,month,37224,annual,0,week,850,week,2100,fortnight,0,0,3500,0,0,4.49,778000,0,4.07,1100000,2,68000,31566,"I am a New Investor (1-3 properties)","Property Chat",12826,,,230879,25,9,66,"Based on your financial information, we estimate that your risk position requires a buffer size of $18,769 - $48,430","Should interest rates rise by 1%, your total repayment will increase by $7,780 per year. If your interest rate rises by 2%, your repayment will increase by $15,560 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-15,"2018-10-15 00:46:19"
782,"Rob Low",NSW,roblow101@hotmail.com,married/defacto,1,renting,1700,month,3500,annual,0,week,90000,annual,35000,annual,0,10000,3500,0,0,4.49,0,0,4.99,0,0,175000,60764,"I am looking to review my situation",Other,60764,,,1093752,48,16,36,"Based on your financial information, we estimate that your risk position requires a buffer size of $5,208 - $20,833","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-14,"2018-10-14 22:26:32"
781,"Leonie Yelland",QLD,leoniey5@gmail.com,married/defacto,0,home,0,,8490,month,0,annual,2600,fortnight,1000,month,6700,2000,3280,130000,0,3.69,1100000,215000,3.99,1800000,6,100000,-37608,"I am an Advanced Investor (3+ properties)","Smart Property Investment",-72954,,,0,-23,3,120,"Based on your financial information, we estimate that your risk position requires a buffer size of $39,832 - $91,403","Should interest rates rise by 1%, your total repayment will increase by $12,300 per year. If your interest rate rises by 2%, your repayment will increase by $24,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $3,943 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 11 Months",,"Your risk position could be improved",,0,0,2018-10-14,"2018-10-14 03:14:11"
780,"Sue Dynamic",NSW,srn.dynamic@gmail.com,married/defacto,1,home,0,,400,week,0,week,6000,month,6000,month,2000,25000,6000,5000,5000,4.49,100000,0,4.99,1500000,2,50000,44489,"I am looking to review my situation",Media,42528,,,765511,28,0,72,"Based on your financial information, we estimate that your risk position requires a buffer size of $13875 - $40987","Should interest rates rise by 1%, your total repayment will increase by $1050 per year. If your interest rate rises by 2%, your repayment will increase by $2100 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $91 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-14,"2018-10-14 03:05:20"
779,Riaz,NSW,r.rasul@hotmail.com,married/defacto,3,renting,540,week,92000,annual,361,fortnight,2800,fortnight,0,annual,0,24000,2500,0,0,3.79,1183000,0,4.15,2200000,4,90000,12524,"I am an Advanced Investor (3+ properties)",Other,-22510,,,0,8,18,74,"Based on your financial information, we estimate that your risk position requires a buffer size of $26,948 - $66,229","Should interest rates rise by 1%, your total repayment will increase by $11,830 per year. If your interest rate rises by 2%, your repayment will increase by $23,660 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 9 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-14,"2018-10-14 02:42:20"
778,Riaz,NSW,r.rasul@hotmail.com,married/defacto,3,renting,540,week,92000,annual,361,fortnight,2800,fortnight,0,annual,0,24000,9000,0,0,3.79,1183000,0,4.15,2200000,4,90000,-65476,"I am an Advanced Investor (3+ properties)",Other,-93310,,,0,-42,18,124,"Based on your financial information, we estimate that your risk position requires a buffer size of $26,948 - $66,229","Should interest rates rise by 1%, your total repayment will increase by $11,830 per year. If your interest rate rises by 2%, your repayment will increase by $23,660 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 9 Months",,"Your risk position could be improved",,0,0,2018-10-14,"2018-10-14 02:37:34"
777,"Nancia Guivarra",NSW,nancia.guivarra@icloud.com,single,1,home,0,,410,week,760,month,2019,week,0,,0,0,650,665000,0,3.49,395000,395000,5.62,1350000,2,1000,65642,"I am looking to review my situation",Other,18731,,,337163,50,18,32,"Based on your financial information, we estimate that your risk position requires a buffer size of $24,540 - $66,580","Should interest rates rise by 1%, your total repayment will increase by $10,600 per year. If your interest rate rises by 2%, your repayment will increase by $21,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $7,244 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-13,"2018-10-13 06:19:04"
776,111,,111@gmail.com,married/defacto,1,home,0,,0,week,0,week,100000,annual,100000,annual,0,10000,5000,400000,400000,4.49,0,0,4.99,1000000,2,100000,118440,,,101705,,,1830694,59,9,32,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,667 - $60,693","Should interest rates rise by 1%, your total repayment will increase by $4,000 per year. If your interest rate rises by 2%, your repayment will increase by $8,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $7,336 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-13,"2018-10-13 04:38:23"
775,"danny lennon",VIC,danny.lennon@asahi.com.au,married/defacto,2,home,0,,0,annual,6000,annual,90000,annual,0,annual,0,3000,2400,499000,0,3.69,0,0,4.99,930000,1,50000,38592,"I am Looking to upgrade my home in future","Property Chat",16871,,,303683,40,19,41,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,686 - $31,524","Should interest rates rise by 1%, your total repayment will increase by $4,990 per year. If your interest rate rises by 2%, your repayment will increase by $9,980 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-12,"2018-10-12 21:13:52"
774,"Dhhfeuv ghfrhb",,Rr@ehdudufyr.com.au,single,0,home,0,,0,week,0,week,68000,annual,0,,0,2000,1440,176000,0,4.49,0,0,4.99,550000,1,14000,39311,,,31872,,,573703,58,12,31,"Based on your financial information, we estimate that your risk position requires a buffer size of $7,273 - $21,659","Should interest rates rise by 1%, your total repayment will increase by $1,760 per year. If your interest rate rises by 2%, your repayment will increase by $3,520 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-12,"2018-10-12 05:33:11"
773,x,NSW,x@x.com,married/defacto,0,"Other(Living Rent Free)",0,,78000,annual,0,week,73883,annual,73838,annual,500,500,500,500000,450000,4.49,1500000,1500000,4.99,2500000,3,150000,101736,"I am looking to review my situation",Other,-17201,,,0,48,14,37,"Based on your financial information, we estimate that your risk position requires a buffer size of $47,095 - $129,727","Should interest rates rise by 1%, your total repayment will increase by $20,000 per year. If your interest rate rises by 2%, your repayment will increase by $40,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $35,763 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-12,"2018-10-12 03:25:50"
772,"Hannah Thai",SA,mongcamdi@live.com,single,2,home,0,,5500,month,0,week,1000,week,0,,2500,0,2500,0,0,4.49,420000,0,4.99,1200000,3,100000,5232,"I am a New Investor (1-3 properties)",,-2124,,,0,5,0,95,"Based on your financial information, we estimate that your risk position requires a buffer size of $16,124 - $39,864","Should interest rates rise by 1%, your total repayment will increase by $4,200 per year. If your interest rate rises by 2%, your repayment will increase by $8,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","4Years / 7 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-12,"2018-10-12 02:32:19"
771,"Hannah Thai",SA,mongcamdi@live.com,married/defacto,2,home,0,,2000,month,0,week,900,week,0,week,0,0,3000,0,0,4.49,420000,0,4.99,1200000,3,100000,2864,"I am a New Investor (1-3 properties)","Property Chat",-5692,,,0,4,0,96,"Based on your financial information, we estimate that your risk position requires a buffer size of $15,197 - $37,575","Should interest rates rise by 1%, your total repayment will increase by $4,200 per year. If your interest rate rises by 2%, your repayment will increase by $8,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","4Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-12,"2018-10-12 02:22:10"
770,Harrison,VIC,eurostardieselssunshine@gmail.com,single,0,"Other(Living Rent Free)",0,,5000,month,0,week,1169,week,0,,0,0,1000,0,0,4.49,850000,0,4.99,1100000,2,50000,38487,"I am a New Investor (1-3 properties)","Property Chat",6798,,,122373,35,7,57,"Based on your financial information, we estimate that your risk position requires a buffer size of $18,670 - $47,546","Should interest rates rise by 1%, your total repayment will increase by $8,500 per year. If your interest rate rises by 2%, your repayment will increase by $17,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-12,"2018-10-12 02:14:51"
769,"Barry White",NSW,nlks34135@gmail.com,married/defacto,2,home,0,,0,week,0,week,65000,annual,0,week,800,15000,2000,650000,650000,5.25,0,0,4.99,1200000,1,350000,-8125,"None of the above",Other,-43578,,,0,-13,53,60,"Based on your financial information, we estimate that your risk position requires a buffer size of $13,565 - $38,936","Should interest rates rise by 1%, your total repayment will increase by $6,500 per year. If your interest rate rises by 2%, your repayment will increase by $13,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $11,921 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","10Years / 7 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-12,"2018-10-12 01:41:29"
768,"Ronald Kas",NSW,rK@gmail.com,single,0,home,0,,0,week,0,week,10000,month,0,,0,30000,3500,500000,0,3.89,0,0,4.99,1000000,1,50000,38934,"I am looking to review my situation","Property Chat",26269,,,472849,32,16,51,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,657 - $36,215","Should interest rates rise by 1%, your total repayment will increase by $5,000 per year. If your interest rate rises by 2%, your repayment will increase by $10,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-12,"2018-10-12 01:15:10"
767,"Lisa Nguyen",NSW,Lisanguyen@hotmail.com.au,single,0,"Other(Living Rent Free)",0,,5000,month,6000,month,2500,month,0,,500,10000,2000,0,0,4.49,600000,0,4.99,1200000,1,300000,70023,"None of the above","Property Chat",51713,,,930839,47,5,48,"Based on your financial information, we estimate that your risk position requires a buffer size of $9,104 - $24,191","Should interest rates rise by 1%, your total repayment will increase by $6,000 per year. If your interest rate rises by 2%, your repayment will increase by $12,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-11,"2018-10-11 11:53:48"
766,Greg,WA,gregory_davey@hotmail.com,married/defacto,0,home,0,,60000,annual,40000,annual,90000,annual,0,annual,0,15000,2000,0,0,4.49,950000,0,4.49,2000200,4,100010,88963,"None of the above",Other,55689,,,1002409,50,0,50,"Based on your financial information, we estimate that your risk position requires a buffer size of $24,426 - $62,183","Should interest rates rise by 1%, your total repayment will increase by $9,500 per year. If your interest rate rises by 2%, your repayment will increase by $19,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-10,"2018-10-10 13:31:29"
765,Greg,WA,gregory_davey@hotmail.com,married/defacto,0,home,0,,60000,annual,40000,annual,90000,annual,0,annual,0,15000,2000,0,0,4.49,950000,0,4.49,2000200,4,100010,88963,"None of the above",Other,55689,,,1002409,50,0,50,"Based on your financial information, we estimate that your risk position requires a buffer size of $24,426 - $62,183","Should interest rates rise by 1%, your total repayment will increase by $9,500 per year. If your interest rate rises by 2%, your repayment will increase by $19,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-10,"2018-10-10 13:31:12"
764,Greg,WA,gregory_davey@hotmail.com,married/defacto,0,home,0,,60000,annual,40000,annual,90000,annual,0,annual,0,15000,2000,0,0,4.49,950000,0,4.49,2000200,4,100010,88963,"None of the above",Other,55689,,,1002409,50,0,50,"Based on your financial information, we estimate that your risk position requires a buffer size of $24,426 - $62,183","Should interest rates rise by 1%, your total repayment will increase by $9,500 per year. If your interest rate rises by 2%, your repayment will increase by $19,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-10,"2018-10-10 13:31:08"
763,DD,NSW,gggggg@ggg.com,married/defacto,0,renting,750,week,100,month,0,annual,3460,fortnight,5500,month,0,5000,2150,0,0,4.49,0,0,4.99,0,0,120000,89965,"I am looking to review my situation","Property Chat",73764,,,1327766,57,25,18,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,498 - $25,993","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-10,"2018-10-10 10:48:15"
762,"Julie Betts",WA,juliemariebetts@gmail.com,single,0,home,0,,13000,annual,0,week,1000,week,0,,0,0,4000,80000,56000,5.95,189000,0,4.99,630000,3,40000,-3512,"I am a New Investor (1-3 properties)","Smart Property Investment",-8594,,,0,-6,8,98,"Based on your financial information, we estimate that your risk position requires a buffer size of $15,545 - $37,505","Should interest rates rise by 1%, your total repayment will increase by $2,690 per year. If your interest rate rises by 2%, your repayment will increase by $5,380 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $1,027 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 4 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-10,"2018-10-10 08:35:37"
761,"Matt Windsor",NSW,Mattwindsor@ymail.com,married/defacto,2,home,0,,3000,month,0,week,2000,fortnight,2500,fortnight,0,1000,2000,0,0,4.49,950000,950000,4.70,2600000,2,40000,81952,"I am a New Investor (1-3 properties)",Other,26201,,,471627,56,0,44,"Based on your financial information, we estimate that your risk position requires a buffer size of $20,279 - $61,891","Should interest rates rise by 1%, your total repayment will increase by $9,500 per year. If your interest rate rises by 2%, your repayment will increase by $19,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $17,423 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-10,"2018-10-10 05:22:42"
760,Faiuad,NSW,faiyad50@gmail.com,married/defacto,0,home,0,,0,week,0,week,84800,annual,32000,annual,0,0,2400,597000,0,4.40,0,0,4.99,660000,1,10000,52147,"I am looking to review my situation",Other,25928,,,466720,45,22,33,"Based on your financial information, we estimate that your risk position requires a buffer size of $18,736 - $48,128","Should interest rates rise by 1%, your total repayment will increase by $5,970 per year. If your interest rate rises by 2%, your repayment will increase by $11,940 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-10,"2018-10-10 04:39:54"
759,DSS,VIC,dss4567@hotmail.com,married/defacto,3,home,0,,3500,month,0,week,70000,annual,50000,annual,3000,0,2000,280000,0,4.01,300000,0,4.01,2000000,4,20000,52895,"I am Looking to upgrade my home in future",Facebook,20683,,,372303,34,7,58,"Based on your financial information, we estimate that your risk position requires a buffer size of $22,179 - $59,354","Should interest rates rise by 1%, your total repayment will increase by $5,800 per year. If your interest rate rises by 2%, your repayment will increase by $11,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-10,"2018-10-10 04:07:00"
758,DSS,VIC,dss2456@hotmail.com,married/defacto,1,renting,1500,month,0,week,0,week,70000,annual,70000,annual,0,0,800,0,0,4.49,0,0,0.10,0,0,20000,112400,"I am a First Home Buyer",Facebook,80000,,,1440000,80,13,7,"Based on your financial information, we estimate that your risk position requires a buffer size of $5,833 - $23,333","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-10,"2018-10-10 04:01:06"
757,"Christine Aughey",NSW,chrisaughey@hotmail.com,married/defacto,0,home,0,,107000,annual,0,week,2400,fortnight,2200,fortnight,0,11000,3000,10000,10000,4.49,1495000,1244000,4.30,2920000,7,340000,89613,"I am an Advanced Investor (3+ properties)",Other,23144,,,416603,44,0,56,"Based on your financial information, we estimate that your risk position requires a buffer size of $47,090 - $118,322","Should interest rates rise by 1%, your total repayment will increase by $15,050 per year. If your interest rate rises by 2%, your repayment will increase by $30,100 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $22,998 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-10,"2018-10-10 00:51:49"
756,"Barbara Lau",NSW,barbara.wk.lau@gmail.com,married/defacto,0,renting,138,week,1275,week,0,annual,85000,annual,105000,annual,0,15000,1300,0,0,4.49,840000,840000,4.96,1050000,3,160000,167561,"I am looking to review my situation",Other,103342,,,1860160,69,3,28,"Based on your financial information, we estimate that your risk position requires a buffer size of $32,167 - $90,019","Should interest rates rise by 1%, your total repayment will increase by $8,400 per year. If your interest rate rises by 2%, your repayment will increase by $16,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $15,405 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-09,"2018-10-09 23:23:09"
755,"Barbara Lau",NSW,barbara.wk.lau@gmail.com,married/defacto,0,renting,138,week,1275,week,0,annual,85000,annual,105000,annual,0,15000,1300,0,0,4.49,840000,840000,4.96,1050000,3,160000,167561,"I am looking to review my situation",Other,103342,,,1860160,69,3,28,"Based on your financial information, we estimate that your risk position requires a buffer size of $32,167 - $90,019","Should interest rates rise by 1%, your total repayment will increase by $8,400 per year. If your interest rate rises by 2%, your repayment will increase by $16,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $15,405 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-09,"2018-10-09 22:35:38"
754,,NSW,barbara.wk.lau@gmail.com,married/defacto,0,renting,138,week,1275,week,0,annual,85000,annual,105000,annual,0,15000,1300,0,0,4.49,840000,840000,4.96,1050000,3,160000,167561,"I am looking to review my situation",Other,103342,,,1860160,69,3,28,"Based on your financial information, we estimate that your risk position requires a buffer size of $32,167 - $90,019","Should interest rates rise by 1%, your total repayment will increase by $8,400 per year. If your interest rate rises by 2%, your repayment will increase by $16,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $15,405 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-09,"2018-10-09 22:34:05"
753,"Ashish Malhotra",NSW,ashish1137@gmail.com,married/defacto,2,renting,550,week,840,week,0,week,7000,month,6500,month,2500,5000,4000,0,0,4.49,650000,600000,4.35,950000,2,27000,57350,"I am an Advanced Investor (3+ properties)",Other,30302,,,545437,29,15,56,"Based on your financial information, we estimate that your risk position requires a buffer size of $22,826 - $64,070","Should interest rates rise by 1%, your total repayment will increase by $6,500 per year. If your interest rate rises by 2%, your repayment will increase by $13,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $11,004 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-09,"2018-10-09 22:05:15"
752,"Jaikumar Yarramsetti",NSW,jaykumarhere@yahoo.com,married/defacto,3,home,0,,600,week,0,week,145000,annual,20000,annual,0,7000,5000,430000,0,3.98,780000,660000,4.20,1400000,3,70000,71855,"I am a New Investor (1-3 properties)",Other,28921,,,520593,38,9,53,"Based on your financial information, we estimate that your risk position requires a buffer size of $38,862 - $98,976","Should interest rates rise by 1%, your total repayment will increase by $12,100 per year. If your interest rate rises by 2%, your repayment will increase by $24,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $12,104 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-09,"2018-10-09 21:58:01"
751,"Danny Lennon",VIC,d_d_lennon@hotmail.com,married/defacto,2,home,0,,0,annual,6000,annual,90000,annual,0,annual,0,0,3600,500000,0,3.64,0,0,4.99,930000,1,50000,25386,"I am Looking to upgrade my home in future","Property Chat",11869,,,213649,26,19,55,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,701 - $31,551","Should interest rates rise by 1%, your total repayment will increase by $5,000 per year. If your interest rate rises by 2%, your repayment will increase by $10,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-09,"2018-10-09 21:46:01"
750,"Dh mith",NSW,djsvester@hotmail.com,single,0,home,0,,400,week,0,week,1700,week,0,,50,12000,1000,440000,0,3.90,360000,0,4.40,1000000,2,50000,41420,"I am a New Investor (1-3 properties)","Property Chat",13468,,,242428,39,16,44,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,683 - $52,447","Should interest rates rise by 1%, your total repayment will increase by $8,000 per year. If your interest rate rises by 2%, your repayment will increase by $16,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-09,"2018-10-09 21:42:53"
749,"Danny Lennon",VIC,d_d_lennon@hotmail.com,married/defacto,2,home,0,,0,annual,6000,annual,90000,annual,0,annual,0,0,2400,500000,0,3.64,0,0,4.99,930000,1,50000,39786,"I am Looking to upgrade my home in future","Property Chat",17869,,,321649,41,19,40,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,701 - $31,551","Should interest rates rise by 1%, your total repayment will increase by $5,000 per year. If your interest rate rises by 2%, your repayment will increase by $10,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-09,"2018-10-09 21:39:33"
748,Amit,NSW,amitbamane04@gmail.com,married/defacto,1,renting,500,week,0,week,0,week,7300,month,5300,month,0,5000,2500,0,0,4.49,0,0,4.99,0,0,170000,93400,"I am looking to review my situation",Other,81400,,,1465200,62,17,21,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,300 - $25,200","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-09,"2018-10-09 21:32:42"
747,zzz,,zzz@zzz.com,married/defacto,0,renting,500,week,670,week,0,week,3528,fortnight,1585,fortnight,0,6000,1000,0,0,4.49,450000,0,4.99,725000,2,70000,88874,,,50992,,,917862,55,16,29,"Based on your financial information, we estimate that your risk position requires a buffer size of $16,779 - $46,519","Should interest rates rise by 1%, your total repayment will increase by $4,500 per year. If your interest rate rises by 2%, your repayment will increase by $9,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-09,"2018-10-09 21:07:51"
746,,,zzz@zzz.com,married/defacto,0,renting,500,week,670,week,0,week,3528,fortnight,1585,fortnight,0,6000,1000,0,0,4.49,450000,0,4.99,725000,2,70000,88874,,,50992,,,917862,55,16,29,"Based on your financial information, we estimate that your risk position requires a buffer size of $16,779 - $46,519","Should interest rates rise by 1%, your total repayment will increase by $4,500 per year. If your interest rate rises by 2%, your repayment will increase by $9,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-09,"2018-10-09 21:07:44"
745,cliff,NSW,cftorres@msn.com,married/defacto,0,home,0,,1100,fortnight,0,week,142000,annual,100000,annual,2000,20000,3000,920000,0,3.80,675000,675000,4.50,1800000,2,10000,118636,"I am a New Investor (1-3 properties)",Other,54593,,,982683,45,13,42,"Based on your financial information, we estimate that your risk position requires a buffer size of $45,711 - $118,720","Should interest rates rise by 1%, your total repayment will increase by $15,950 per year. If your interest rate rises by 2%, your repayment will increase by $31,900 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $12,379 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-09,"2018-10-09 12:14:52"
744,P,VIC,pspatel1985@gmail.com,married/defacto,1,home,0,,0,week,0,week,112000,annual,100000,annual,1000,15000,3000,43000,0,3.74,450000,450000,4.19,1150000,2,10000,144851,"I am looking to review my situation","Property Chat",111540,,,2007736,68,1,31,"Based on your financial information, we estimate that your risk position requires a buffer size of $20,966 - $64,994","Should interest rates rise by 1%, your total repayment will increase by $4,930 per year. If your interest rate rises by 2%, your repayment will increase by $9,860 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $8,253 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-09,"2018-10-09 03:27:31"
743,Chris,WA,Cjmcwhirter@hotmail.com,married/defacto,0,renting,225,week,1220,week,0,week,1882,fortnight,2300,fortnight,0,14000,2000,0,0,4.49,960000,0,4.25,1300000,3,2000,59278,"I am looking to review my situation","Smart Property Investment",19363,,,348534,37,7,55,"Based on your financial information, we estimate that your risk position requires a buffer size of $25,207 - $63,959","Should interest rates rise by 1%, your total repayment will increase by $9,600 per year. If your interest rate rises by 2%, your repayment will increase by $19,200 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 22:53:51"
742,Shaun,NSW,thedemmitts@gmail.com,married/defacto,2,home,0,,5000,month,0,week,17000,month,3000,month,0,20000,6000,0,0,4.49,1665000,0,4.95,5500000,8,100000,112115,"None of the above","Property Chat",82463,,,1484341,39,0,61,"Based on your financial information, we estimate that your risk position requires a buffer size of $45,714 - $125,489","Should interest rates rise by 1%, your total repayment will increase by $16,650 per year. If your interest rate rises by 2%, your repayment will increase by $33,300 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 21:53:58"
741,"Marie Barry",VIC,Mariebarry@live.com.au,single,0,home,0,,5800,month,0,month,6600,month,0,,5000,17000,4500,790000,495000,4.00,495000,495000,4.99,1115000,2,50000,-59001,"I am a New Investor (1-3 properties)","Smart Property Investment",-107618,,,0,-44,23,120,"Based on your financial information, we estimate that your risk position requires a buffer size of $56,996 - $110,046","Should interest rates rise by 1%, your total repayment will increase by $12,850 per year. If your interest rate rises by 2%, your repayment will increase by $25,700 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $18,157 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 4 Months",,"You risk levels are high.",,0,0,2018-10-08,"2018-10-08 21:19:29"
740,"Emily Troon",SA,ratroon@bigblue.net.au,married/defacto,1,home,0,,0,week,0,week,1750,fortnight,1634,fortnight,534,20000,2600,524000,524000,4.49,0,0,4.99,1600000,2,0,19648,"I am looking to review my situation","Smart Property Investment",-8274,,,0,22,27,51,"Based on your financial information, we estimate that your risk position requires a buffer size of $15,440 - $44,866","Should interest rates rise by 1%, your total repayment will increase by $5,240 per year. If your interest rate rises by 2%, your repayment will increase by $10,480 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $9,610 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 0 Months",,"You risk levels are high.",,0,0,2018-10-08,"2018-10-08 21:05:47"
739,"Robert Walters",NSW,rgw_01@yahoo.com,single,0,home,0,,74000,annual,8000,annual,2850,fortnight,0,,0,7800,3000,560000,287000,4.50,985000,985000,5.04,2600000,5,10000,17830,"I am looking to review my situation","Smart Property Investment",-35689,,,0,13,18,70,"Based on your financial information, we estimate that your risk position requires a buffer size of $39,402 - $97,828","Should interest rates rise by 1%, your total repayment will increase by $15,450 per year. If your interest rate rises by 2%, your repayment will increase by $30,900 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $23,329 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 2 Months",,"You risk levels are high.",,0,0,2018-10-08,"2018-10-08 13:16:31"
738,Ash,WA,ashley.olsson@hotmail.com,married/defacto,1,home,0,,0,week,0,week,10400,month,1300,fortnight,0,1000,3000,629000,0,3.59,0,0,4.99,900000,1,20000,87966,"None of the above","Property Chat",58749,,,1057488,55,14,30,"Based on your financial information, we estimate that your risk position requires a buffer size of $15,905 - $47,001","Should interest rates rise by 1%, your total repayment will increase by $6,290 per year. If your interest rate rises by 2%, your repayment will increase by $12,580 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 13:13:09"
737,"Nick Lichtenberg",WA,nick.lichtenberg.mcgill@gmail.com,married/defacto,0,renting,610,week,0,week,0,week,82000,annual,81000,annual,600,5000,2500,0,0,4.49,0,0,4.99,0,0,20000,92280,"I am a First Home Buyer","Smart Property Investment",74279,,,1337039,57,19,24,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,791 - $27,166","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 11:13:08"
736,Norman,NSW,Antchesler@gmail.com,married/defacto,3,home,0,,1580,fortnight,0,week,7354,month,13500,month,1500,20000,15000,1000000,450000,4.05,480000,480000,3.99,5250000,1,150000,4667,"I am a New Investor (1-3 properties)","Smart Property Investment",-51944,,,0,2,14,84,"Based on your financial information, we estimate that your risk position requires a buffer size of $21,511 - $81,051","Should interest rates rise by 1%, your total repayment will increase by $14,800 per year. If your interest rate rises by 2%, your repayment will increase by $29,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $17,056 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","3Years / 7 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 10:25:31"
735,"Kelly bras",SA,kjbras@gmail.com,married/defacto,2,home,0,,7300,month,0,week,7900,month,2400,fortnight,0,30000,5000,130000,0,3.89,2261000,1372000,4.15,2300000,7,28000,52051,"None of the above","Smart Property Investment",-34223,,,0,23,2,75,"Based on your financial information, we estimate that your risk position requires a buffer size of $100,550 - $206,884","Should interest rates rise by 1%, your total repayment will increase by $23,910 per year. If your interest rate rises by 2%, your repayment will increase by $47,820 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $25,163 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 3 Months",,"You risk levels are high.",,0,0,2018-10-08,"2018-10-08 09:35:28"
734,Jacqui,WA,social_butterfly_89@hotmail.com,married/defacto,0,renting,300,week,0,week,0,week,50000,annual,100000,annual,0,0,2800,0,0,4.49,0,0,4.99,0,0,30000,100800,"I am looking to review my situation","Smart Property Investment",92400,,,1663200,67,10,22,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,250 - $25,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 09:01:45"
733,Jacqui,WA,social_butterfly_89@hotmail.com,married/defacto,0,renting,300,week,0,week,0,week,50000,annual,100000,annual,0,0,2800,0,0,4.49,0,0,4.99,0,0,30000,100800,"I am looking to review my situation","Smart Property Investment",92400,,,1663200,67,10,22,"Based on your financial information, we estimate that your risk position requires a buffer size of $6,250 - $25,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 09:01:37"
732,"B G",NSW,Ben.grono@gmail.com,single,0,renting,290,week,0,week,0,week,2800,fortnight,0,,0,0,500,0,0,4.49,0,0,4.99,0,0,65000,51720,"I am a First Home Buyer","Smart Property Investment",36720,,,660960,71,21,8,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,033 - $12,133","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 06:48:09"
731,CB,VIC,admin@confidencefinance.com.au,married/defacto,2,home,0,,13244,month,0,week,7000,fortnight,0,week,0,15000,3210,1200000,1200000,4.38,1732000,1732000,4.73,5200000,5,300000,112534,,,-16774,,,0,36,17,47,"Based on your financial information, we estimate that your risk position requires a buffer size of $59,528 - $162,175","Should interest rates rise by 1%, your total repayment will increase by $29,320 per year. If your interest rate rises by 2%, your repayment will increase by $58,640 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $53,774 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,"You can cover your buffer requirement from your everyday savings. You do not need to hold significant capital buffers so long as you can continue your savings patterns.","Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 06:39:30"
730,cb,VIC,campbell@smarthousefire.com,married/defacto,2,home,0,,13244,month,0,fortnight,7000,fortnight,0,fortnight,0,15000,32110,1200000,1200000,4.38,1732000,1732000,4.73,5205000,5,300000,-234179,"I am an Advanced Investor (3+ properties)","Smart Property Investment",-354094,,,0,-76,17,159,"Based on your financial information, we estimate that your risk position requires a buffer size of $59,503 - $162,147","Should interest rates rise by 1%, your total repayment will increase by $29,320 per year. If your interest rate rises by 2%, your repayment will increase by $58,640 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $53,774 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 10 Months",,"Your risk position could be improved",,0,0,2018-10-08,"2018-10-08 06:09:05"
729,cb,VIC,campbell@smarthousefire.com,married/defacto,2,home,0,,0,fortnight,0,fortnight,7000,fortnight,0,fortnight,0,15000,19000,1200000,1200000,4.38,1732000,1732000,4.73,5205000,5,300000,-156959,"I am an Advanced Investor (3+ properties)","Smart Property Investment",-276874,,,0,-86,29,157,"Based on your financial information, we estimate that your risk position requires a buffer size of $59,503 - $162,147","Should interest rates rise by 1%, your total repayment will increase by $29,320 per year. If your interest rate rises by 2%, your repayment will increase by $58,640 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $53,774 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 1 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 06:04:21"
728,"Zoran Ristevski",VIC,zoki033@gmail.com,married/defacto,2,home,0,,672,fortnight,4300,annual,1065,week,330,week,0,5000,1000,232000,0,3.97,425000,425000,4.16,1100000,2,35000,47999,"I am a New Investor (1-3 properties)","Smart Property Investment",-2132,,,0,53,10,37,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,459 - $45,871","Should interest rates rise by 1%, your total repayment will increase by $6,570 per year. If your interest rate rises by 2%, your repayment will increase by $13,140 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $7,794 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 05:59:56"
727,"Trent Cox",VIC,Coxt9@msn.com,single,0,renting,800,month,25,month,0,annual,5350,month,0,,0,0,1500,0,0,4.49,350000,0,4.70,350000,1,15000,20796,"I am a New Investor (1-3 properties)","Smart Property Investment",10927,,,196691,32,15,53,"Based on your financial information, we estimate that your risk position requires a buffer size of $14,550 - $33,200","Should interest rates rise by 1%, your total repayment will increase by $3,500 per year. If your interest rate rises by 2%, your repayment will increase by $7,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","9Years / 1 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 05:39:23"
726,"John Broad",ACT,johndbroad@tahoo.cim,married/defacto,3,renting,500,fortnight,26000,annual,1,annual,8500,month,1,fortnight,4800,35000,2500,0,0,4.49,393009,0,4.99,440990,1,400,-16814,"I am looking to review my situation","Smart Property Investment",-35697,,,0,-14,11,103,"Based on your financial information, we estimate that your risk position requires a buffer size of $14,421 - $38,231","Should interest rates rise by 1%, your total repayment will increase by $3,930 per year. If your interest rate rises by 2%, your repayment will increase by $7,860 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 0 Months",,"You risk levels are high.",,0,0,2018-10-08,"2018-10-08 05:33:57"
725,Armin,NSW,admin@confidencefinance.com.au,married/defacto,2,home,0,,5000,month,0,week,11500,month,2000,fortnight,0,15000,3500,500000,0,3.78,1320000,0,4.50,4300000,3,70000,86670,,,39830,,,716952,36,8,56,"Based on your financial information, we estimate that your risk position requires a buffer size of $27,403 - $83,072","Should interest rates rise by 1%, your total repayment will increase by $18,200 per year. If your interest rate rises by 2%, your repayment will increase by $36,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,"You can cover your buffer requirement from your everyday savings. You do not need to hold significant capital buffers so long as you can continue your savings patterns.","Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 04:01:09"
724,Thao,NSW,thao.nguyen90@hotmail.com,married/defacto,0,"Other(Living Rent Free)",0,,610,week,1000,month,4200,month,4450,month,0,9000,3000,594000,0,3.88,264000,264000,4.90,968000,2,25000,50468,"I am looking to review my situation","Smart Property Investment",11618,,,209131,36,22,42,"Based on your financial information, we estimate that your risk position requires a buffer size of $26,746 - $65,512","Should interest rates rise by 1%, your total repayment will increase by $8,580 per year. If your interest rate rises by 2%, your repayment will increase by $17,160 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $4,841 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 03:56:34"
723,asfdsadf,,fred@auljlauitlojtut.com,married/defacto,1,home,0,,30000,annual,0,week,65000,annual,15000,annual,0,10000,6000,0,0,4.49,0,0,4.99,600000,1,700000,19520,,,19520,,,351360,19,0,81,"Based on your financial information, we estimate that your risk position requires a buffer size of $7,333 - $21,333","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 03:15:25"
722,Armin,NSW,Armin.brooke@icloud.com,married/defacto,2,home,0,,5000,month,0,week,11500,month,2000,fortnight,0,15000,3500,500000,0,3.78,1320000,100,4.50,4300000,3,70000,86671,"I am looking to review my situation","Smart Property Investment",39830,,,716943,36,8,56,"Based on your financial information, we estimate that your risk position requires a buffer size of $27,403 - $83,073","Should interest rates rise by 1%, your total repayment will increase by $18,200 per year. If your interest rate rises by 2%, your repayment will increase by $36,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $2 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 02:57:55"
721,Armin,NSW,Armin.brooke@icloud.com,married/defacto,2,home,0,,6000,month,0,week,11500,month,2000,fortnight,0,15000,2500,500000,0,3.78,1320000,100,4.50,4300000,3,70000,104719,"I am looking to review my situation","Smart Property Investment",45878,,,825807,42,8,50,"Based on your financial information, we estimate that your risk position requires a buffer size of $27,403 - $83,073","Should interest rates rise by 1%, your total repayment will increase by $18,200 per year. If your interest rate rises by 2%, your repayment will increase by $36,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $2 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 02:50:17"
720,Armin,NSW,Armin.brooke@icloud.com,married/defacto,2,home,0,,6000,month,0,week,11500,month,2000,fortnight,8500,15000,3000,500000,0,3.78,1320000,100,4.50,4300000,3,70000,-3281,"I am looking to review my situation","Smart Property Investment",-56121,,,0,-1,8,94,"Based on your financial information, we estimate that your risk position requires a buffer size of $27,403 - $83,073","Should interest rates rise by 1%, your total repayment will increase by $18,200 per year. If your interest rate rises by 2%, your repayment will increase by $36,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $2 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 3 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 02:44:24"
719,"Russell Wilson",VIC,admin@confidencefinance.com.au,married/defacto,2,home,0,,6565,month,0,week,3559,week,3550,week,0,20000,15000,0,0,4.49,2024275,2024275,4.70,2500000,5,65000,160736,,,212298,,,3821366,37,0,63,"Based on your financial information, we estimate that your risk position requires a buffer size of $66,153 - $185,803","Should interest rates rise by 1%, your total repayment will increase by $20,242 per year. If your interest rate rises by 2%, your repayment will increase by $40,485 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $37,126 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,"You can cover your buffer requirement from your everyday savings. You do not need to hold significant capital buffers so long as you can continue your savings patterns.","Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 02:24:39"
718,Nic,NSW,nickiandneil@gmail.com,married/defacto,3,home,0,,100000,annual,0,annual,187000,annual,60000,annual,3000,40000,12000,1200000,0,4.49,2000000,2000000,4.99,1000000,5,100000,-36377,"I am an Advanced Investor (3+ properties)",Other,-135407,,,0,-11,16,95,"Based on your financial information, we estimate that your risk position requires a buffer size of $551,461 - $744,104","Should interest rates rise by 1%, your total repayment will increase by $32,000 per year. If your interest rate rises by 2%, your repayment will increase by $64,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $36,680 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 1 Months",,"You risk levels are high.",,0,0,2018-10-08,"2018-10-08 02:13:30"
717,"Stephen W",VIC,stephenw111@hotmail.com,married/defacto,2,renting,430,week,1560,month,0,week,4650,month,5200,month,5000,5000,3000,0,0,0.10,245000,0,4.09,600000,1,30000,-2635,"I am looking to review my situation","Smart Property Investment",-14501,,,0,-2,17,85,"Based on your financial information, we estimate that your risk position requires a buffer size of $9,876 - $31,324","Should interest rates rise by 1%, your total repayment will increase by $2,450 per year. If your interest rate rises by 2%, your repayment will increase by $4,900 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 02:08:44"
716,"Ian Maginnis",NSW,ianmaginnis@netspace.net.au,married/defacto,1,home,0,,2670,month,0,month,4750,month,2925,month,1550,8000,7000,0,0,4.55,335000,335000,4.59,2490000,3,90000,-7031,"I am a New Investor (1-3 properties)","Smart Property Investment",-20710,,,0,-6,0,106,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,240 - $47,276","Should interest rates rise by 1%, your total repayment will increase by $3,350 per year. If your interest rate rises by 2%, your repayment will increase by $6,700 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $6,144 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 4 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 02:00:59"
715,"Nishant Arora",NSW,nishant789@gmail.com,married/defacto,0,renting,475,week,600,week,0,week,1420,week,600,week,0,7000,350,0,0,4.49,416087,416087,4.69,530000,1,185000,76758,"I am looking to review my situation","Smart Property Investment",22382,,,402886,59,19,22,"Based on your financial information, we estimate that your risk position requires a buffer size of $14,346 - $42,078","Should interest rates rise by 1%, your total repayment will increase by $4,160 per year. If your interest rate rises by 2%, your repayment will increase by $8,321 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $7,632 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 01:56:39"
714,"Alexander Crossman",NT,admin@confidencefinance.com.au,single,1,home,0,,550,week,0,week,7500,month,0,,0,10000,3600,160000,0,4.49,530000,0,4.99,700000,2,45000,22619,,,9954,,,179184,20,6,74,"Based on your financial information, we estimate that your risk position requires a buffer size of $26,658 - $58,881","Should interest rates rise by 1%, your total repayment will increase by $6,900 per year. If your interest rate rises by 2%, your repayment will increase by $13,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","2Years / 5 Months","You can cover your buffer requirement from your everyday savings. You do not need to hold significant capital buffers so long as you can continue your savings patterns.","Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 01:52:48"
713,Nick,VIC,nickdimo35@hotmail.com,married/defacto,2,home,0,,400,week,0,week,4800,month,2100,fortnight,0,15000,3500,483000,0,3.65,232000,0,4.10,1500000,2,10000,39179,"I am looking to review my situation","Smart Property Investment",20615,,,371074,30,14,56,"Based on your financial information, we estimate that your risk position requires a buffer size of $16,213 - $46,149","Should interest rates rise by 1%, your total repayment will increase by $7,150 per year. If your interest rate rises by 2%, your repayment will increase by $14,300 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 01:51:26"
712,"Stuart Cox",WA,stuart.cox46@bigpond.com,married/defacto,2,home,0,,0,annual,0,annual,4000,fortnight,0,annual,3000,0,3000,450000,0,5.50,0,0,4.99,750000,1,0,1339,"I am looking to review my situation","Smart Property Investment",-10837,,,0,1,24,75,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,427 - $33,530","Should interest rates rise by 1%, your total repayment will increase by $4,500 per year. If your interest rate rises by 2%, your repayment will increase by $9,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 0 Months",,"You risk levels are high.",,0,0,2018-10-08,"2018-10-08 01:06:24"
711,"Colin Baker",WA,colin.baker@westnet.com.au,married/defacto,2,home,0,,700,week,0,week,1050,week,200,week,8500,6000,2600,370000,0,4.49,930000,0,5.17,1200000,2,20000,-120074,"I am looking to review my situation","Smart Property Investment",-148949,,,0,-128,18,210,"Based on your financial information, we estimate that your risk position requires a buffer size of $46,728 - $88,428","Should interest rates rise by 1%, your total repayment will increase by $13,000 per year. If your interest rate rises by 2%, your repayment will increase by $26,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 1 Months",,"You risk levels are high.",,0,0,2018-10-08,"2018-10-08 00:56:20"
710,Matthew,QLD,matthew.wilson8948@gmail.com,married/defacto,2,renting,390,week,2100,month,0,week,6800,month,2350,month,800,1500,3000,0,0,4.00,433000,0,4.00,625000,1,0,38484,"I am a New Investor (1-3 properties)","Property Chat",21844,,,393198,30,16,55,"Based on your financial information, we estimate that your risk position requires a buffer size of $12,180 - $34,905","Should interest rates rise by 1%, your total repayment will increase by $4,330 per year. If your interest rate rises by 2%, your repayment will increase by $8,660 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 00:55:12"
709,"Scott Cook",NSW,admin@confidencefinance.com.au,married/defacto,0,renting,3500,month,1700,week,0,fortnight,10000,month,2509,month,0,30000,1600,0,0,4.49,1700000,1700000,4.99,2500000,1,200000,66137,,,-19286,,,0,30,19,51,"Based on your financial information, we estimate that your risk position requires a buffer size of $31,861 - $89,795","Should interest rates rise by 1%, your total repayment will increase by $17,000 per year. If your interest rate rises by 2%, your repayment will increase by $34,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $31,178 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,"You can cover your buffer requirement from your everyday savings. You do not need to hold significant capital buffers so long as you can continue your savings patterns.","Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 00:55:00"
708,Matthew,QLD,matthew.wilson8948@gmail.com,married/defacto,2,renting,390,week,2100,month,0,week,6800,month,2350,month,1500,1500,5600,0,0,4.00,433000,0,4.00,625000,1,0,-1116,"I am a New Investor (1-3 properties)","Property Chat",-11755,,,0,-1,16,85,"Based on your financial information, we estimate that your risk position requires a buffer size of $12,180 - $34,905","Should interest rates rise by 1%, your total repayment will increase by $4,330 per year. If your interest rate rises by 2%, your repayment will increase by $8,660 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 0 Months",,"You risk levels are high.",,0,0,2018-10-08,"2018-10-08 00:53:11"
707,"Russell Wilson",VIC,rrwollaton@bigpond.com,married/defacto,2,home,0,,6565,month,0,week,3559,week,3550,week,0,20000,15000,0,0,0.10,2024275,2024275,4.70,2500000,5,65000,160736,"I am an Advanced Investor (3+ properties)","Property Chat",80298,,,1445366,37,0,63,"Based on your financial information, we estimate that your risk position requires a buffer size of $66,153 - $185,803","Should interest rates rise by 1%, your total repayment will increase by $20,242 per year. If your interest rate rises by 2%, your repayment will increase by $40,485 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $37,126 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 00:34:14"
706,"Ross Hobson",VIC,rosshobson@optusnet.com.au,married/defacto,1,home,0,,16000,annual,0,week,6000,month,2000,month,0,30000,2000,0,0,4.49,650000,0,4.99,2400000,2,100000,38262,"I am Looking to upgrade my home in future","Smart Property Investment",13676,,,246181,35,0,65,"Based on your financial information, we estimate that your risk position requires a buffer size of $13,126 - $40,019","Should interest rates rise by 1%, your total repayment will increase by $6,500 per year. If your interest rate rises by 2%, your repayment will increase by $13,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 00:14:02"
705,Trev,NSW,tchaitow@ausgrid.com.au,married/defacto,2,home,0,,23000,annual,0,annual,250000,annual,0,annual,0,12000,9000,540000,540000,4.49,942000,942000,4.99,2100000,2,450000,93704,"I am a New Investor (1-3 properties)","Smart Property Investment",36412,,,655421,35,9,56,"Based on your financial information, we estimate that your risk position requires a buffer size of $37,848 - $108,295","Should interest rates rise by 1%, your total repayment will increase by $14,820 per year. If your interest rate rises by 2%, your repayment will increase by $29,640 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $27,180 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 00:11:23"
704,Jack,NSW,Jack@kack.com,married/defacto,3,home,0,,0,week,0,week,2200,fortnight,2000,fortnight,2000,0,1000,290000,0,3.73,0,0,4.99,650000,1,30000,57123,"I am looking to review my situation","Property Chat",19460,,,350284,52,10,38,"Based on your financial information, we estimate that your risk position requires a buffer size of $9,847 - $30,686","Should interest rates rise by 1%, your total repayment will increase by $2,900 per year. If your interest rate rises by 2%, your repayment will increase by $5,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-08,"2018-10-08 00:08:42"
703,"karan sharma",ACT,karansharma87@gmail.com,married/defacto,0,home,0,,250,annual,0,week,3500,fortnight,2900,fortnight,0,30000,4500,394000,0,3.71,472000,0,4.35,1087000,2,120000,59600,"I am a New Investor (1-3 properties)","Smart Property Investment",38693,,,696474,36,9,55,"Based on your financial information, we estimate that your risk position requires a buffer size of $23,549 - $67,033","Should interest rates rise by 1%, your total repayment will increase by $8,660 per year. If your interest rate rises by 2%, your repayment will increase by $17,320 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-07,"2018-10-07 23:57:42"
702,"peter coyle",VIC,peter.coyle@glenvill.com.au,married/defacto,1,home,0,,65000,annual,0,week,17000,month,0,week,0,15000,3000,74000,0,3.78,1150000,642000,4.99,2775000,4,30000,145657,"None of the above","Smart Property Investment",99179,,,1785226,57,1,42,"Based on your financial information, we estimate that your risk position requires a buffer size of $32,819 - $93,651","Should interest rates rise by 1%, your total repayment will increase by $12,240 per year. If your interest rate rises by 2%, your repayment will increase by $24,480 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $11,774 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-07,"2018-10-07 23:55:47"
701,Phil,QLD,galliop@aapt.net.au,single,0,home,0,,11000,month,0,week,0,week,0,,0,40000,6000,300000,300000,3.90,700000,700000,5.09,3500000,5,130000,-55547,"I am an Advanced Investor (3+ properties)","Smart Property Investment",-94953,,,0,-53,11,142,"Based on your financial information, we estimate that your risk position requires a buffer size of $36,550 - $86,358","Should interest rates rise by 1%, your total repayment will increase by $10,000 per year. If your interest rate rises by 2%, your repayment will increase by $20,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $18,340 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 1 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-07,"2018-10-07 23:54:30"
700,Nick,VIC,nickdimo35@hotmail.com,married/defacto,2,home,0,,400,week,0,week,4800,month,2100,fortnight,1700,15000,3500,483000,0,3.65,232000,0,4.10,1500000,2,10000,18779,"I am looking to review my situation","Smart Property Investment",215,,,3874,15,14,72,"Based on your financial information, we estimate that your risk position requires a buffer size of $16,213 - $46,149","Should interest rates rise by 1%, your total repayment will increase by $7,150 per year. If your interest rate rises by 2%, your repayment will increase by $14,300 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 11 Months",,"Your risk position could be improved",,0,0,2018-10-07,"2018-10-07 23:48:41"
699,"Santanu Lodh",NSW,slodh@yahoo.com,married/defacto,2,home,0,,800,fortnight,0,week,5200,fortnight,1400,fortnight,1600,32000,5000,988000,988000,3.89,510000,510000,4.13,1825000,2,250000,40358,"I am a New Investor (1-3 properties)","Smart Property Investment",-30077,,,0,21,20,58,"Based on your financial information, we estimate that your risk position requires a buffer size of $38,947 - $108,092","Should interest rates rise by 1%, your total repayment will increase by $14,980 per year. If your interest rate rises by 2%, your repayment will increase by $29,960 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $27,473 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","8Years / 6 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-07,"2018-10-07 23:45:05"
698,"Testing Redom",ACT,redomsyed@hotmail.com,single,0,home,0,,0,week,0,week,4000,fortnight,0,,0,0,1200,0,0,4.49,0,0,4.99,0,0,2000,89600,,,80000,,,1440000,86,0,14,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,333 - $17,333","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-07,"2018-10-07 23:39:38"
697,"Hanna Schenkel",NSW,hannaschenkel@gmail.com,married/defacto,0,renting,450,week,20,month,6000,annual,2112,fortnight,0,week,0,0,2400,0,0,4.49,0,0,4.99,0,0,15000,8833,"I am a First Home Buyer","Smart Property Investment",432,,,7793,14,38,47,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,288 - $9,152","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-07,"2018-10-07 23:38:12"
696,"Liz Lyon",NSW,liz_lyon@outlook.com,married/defacto,4,home,0,,0,week,0,week,1481,fortnight,2300,week,200,0,4900,595000,0,5.74,0,0,4.99,1200000,1,6000,55284,"I am looking to review my situation","Smart Property Investment",48198,,,867575,35,22,43,"Based on your financial information, we estimate that your risk position requires a buffer size of $13,710 - $44,082","Should interest rates rise by 1%, your total repayment will increase by $5,950 per year. If your interest rate rises by 2%, your repayment will increase by $11,900 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-07,"2018-10-07 23:36:56"
695,Trevor,QLD,trevor.genis@live.com,married/defacto,2,home,0,,1000,month,0,month,3500,month,0,week,0,2000,3200,0,0,4.49,100,100,4.99,240000,1,1000000,8925,"I am looking to review my situation","Property Chat",8920,,,160577,17,0,83,"Based on your financial information, we estimate that your risk position requires a buffer size of $5,750 - $15,002","Should interest rates rise by 1%, your total repayment will increase by $1 per year. If your interest rate rises by 2%, your repayment will increase by $2 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $2 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1738Years / 1 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-07,"2018-10-07 20:21:50"
694,"Danny Luu",QLD,danny.luu555@gmail.com,single,0,renting,350,month,0,annual,0,annual,80000,annual,0,,0,0,1000,0,0,4.49,0,0,4.99,0,0,65000,63800,"I am a New Investor (1-3 properties)","Property Chat",51200,,,921600,80,10,11,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,333 - $13,333","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-07,"2018-10-07 06:20:43"
693,Ken,NSW,ho_k@hotmail.com,married/defacto,2,home,0,,1500,week,0,fortnight,8550,month,5020,month,0,6000,3000,800000,0,3.61,1000000,471000,4.20,3800000,3,350000,86117,"I am a New Investor (1-3 properties)",Other,18995,,,341918,38,13,49,"Based on your financial information, we estimate that your risk position requires a buffer size of $29,767 - $86,344","Should interest rates rise by 1%, your total repayment will increase by $18,000 per year. If your interest rate rises by 2%, your repayment will increase by $36,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $8,638 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-07,"2018-10-07 03:26:24"
692,"Sage A",VIC,harneet.arora09@gmail.com,married/defacto,0,renting,500,week,690,week,0,week,2029,fortnight,2200,fortnight,475,21000,4000,0,0,4.49,700000,70000,4.50,1050000,2,20000,10977,"I am a New Investor (1-3 properties)",Other,-5211,,,0,8,19,73,"Based on your financial information, we estimate that your risk position requires a buffer size of $18,443 - $48,871","Should interest rates rise by 1%, your total repayment will increase by $7,000 per year. If your interest rate rises by 2%, your repayment will increase by $14,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $1,283 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 11 Months",,"Your risk position could be improved",,0,0,2018-10-06,"2018-10-06 22:55:51"
691,"Danny Lennon",VIC,d_d_lennon@hotmail.com,married/defacto,2,home,0,,10,month,12000,annual,90000,annual,30000,annual,0,0,2400,500000,0,3.64,0,0,4.99,930000,1,50000,75847,"I am Looking to upgrade my home in future","Property Chat",49129,,,884338,57,14,29,"Based on your financial information, we estimate that your risk position requires a buffer size of $11,951 - $36,551","Should interest rates rise by 1%, your total repayment will increase by $5,000 per year. If your interest rate rises by 2%, your repayment will increase by $10,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-06,"2018-10-06 18:56:41"
690,"Scott Cook",NSW,Scott_cook@hotmail.com,married/defacto,0,renting,3500,month,1700,week,0,fortnight,10000,month,2509,month,0,30000,1600,1700000,1700000,4.00,1700000,1700000,4.00,2500000,1,200000,14967,"I am a New Investor (1-3 properties)",Other,-166738,,,0,7,50,43,"Based on your financial information, we estimate that your risk position requires a buffer size of $178,842 - $308,071","Should interest rates rise by 1%, your total repayment will increase by $34,000 per year. If your interest rate rises by 2%, your repayment will increase by $68,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $62,357 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 10 Months",,"Your risk position could be improved",,0,0,2018-10-06,"2018-10-06 04:06:00"
689,Mohammed,NT,alexander.crossman@icloud.com,single,1,home,0,,550,week,0,week,7500,month,0,,0,10000,3600,160000,0,4.50,530000,0,4.30,700000,2,45000,25237,"None of the above","Property Chat",9954,,,179184,22,6,71,"Based on your financial information, we estimate that your risk position requires a buffer size of $26,658 - $58,881","Should interest rates rise by 1%, your total repayment will increase by $6,900 per year. If your interest rate rises by 2%, your repayment will increase by $13,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","2Years / 10 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-05,"2018-10-05 22:04:54"
688,"Matthew Conn",NSW,adelinaandmatt@icloud.com,married/defacto,3,home,0,,1500,month,0,week,7000,month,20000,month,0,30000,7000,2300000,0,3.75,568000,0,3.99,4500000,2,350000,87408,"None of the above",Other,12951,,,233125,26,25,49,"Based on your financial information, we estimate that your risk position requires a buffer size of $42,891 - $124,151","Should interest rates rise by 1%, your total repayment will increase by $28,680 per year. If your interest rate rises by 2%, your repayment will increase by $57,360 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-05,"2018-10-05 10:12:56"
687,Mark,NSW,Info@mumblingme.com,married/defacto,1,renting,750,week,0,week,0,week,1900,week,0,week,0,20000,3374,0,0,4.49,0,0,4.99,0,0,50000,12112,"None of the above",Twitter,10600,,,190800,12,39,48,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,116 - $16,466","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-05,"2018-10-05 06:34:03"
686,"rtr fgdgfd",NT,45353gyrt@gmail.com,single,0,home,0,,0,week,0,week,2600,annual,0,,0,2000,3033,180000,0,4.49,0,0,4.99,550000,1,15000,-45448,"I am looking to review my situation",Other,-49251,,,0,-1748,311,1537,"Based on your financial information, we estimate that your risk position requires a buffer size of $4,579 - $10,835","Should interest rates rise by 1%, your total repayment will increase by $1,800 per year. If your interest rate rises by 2%, your repayment will increase by $3,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 3 Months",,"You risk levels are high.",,0,0,2018-10-05,"2018-10-05 04:56:04"
685,"Mic Ong",NSW,micong84@hotmail.com,married/defacto,2,home,0,,787,week,300,annual,1009,week,1800,fortnight,3400,5000,5833,0,0,0.10,866000,736000,4.15,1720000,3,40000,-16111,"I am looking to review my situation","Smart Property Investment",-52463,,,0,-12,0,112,"Based on your financial information, we estimate that your risk position requires a buffer size of $24,158 - $64,949","Should interest rates rise by 1%, your total repayment will increase by $8,660 per year. If your interest rate rises by 2%, your repayment will increase by $17,320 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $13,498 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 8 Months",,"Your risk position could be improved",,0,0,2018-10-05,"2018-10-05 01:55:17"
684,"Mark McNamara",NSW,Markmcnamara1960@gmail.com,married/defacto,3,home,0,,65000,annual,100,annual,100259,annual,10515,annual,0,14000,10000,0,0,0.10,1364500,1145000,4.19,2880000,4,40000,-19528,"I am an Advanced Investor (3+ properties)","Smart Property Investment",-75969,,,0,-12,0,112,"Based on your financial information, we estimate that your risk position requires a buffer size of $32,554 - $87,990","Should interest rates rise by 1%, your total repayment will increase by $13,645 per year. If your interest rate rises by 2%, your repayment will increase by $27,290 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $20,999 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 6 Months",,"Your risk position could be improved",,0,0,2018-10-05,"2018-10-05 00:22:27"
683,"Mark McNamara",NSW,Markmcnamara1960@gmail.com,married/defacto,3,home,0,,65000,annual,100,annual,10025964,annual,1051544,annual,0,14000,10000,0,0,0.10,1364500,1145000,4.19,2880000,4,40000,10947206,"I am an Advanced Investor (3+ properties)","Smart Property Investment",10890764,,,196033765,98,0,2,"Based on your financial information, we estimate that your risk position requires a buffer size of $489,501 - $1,915,779","Should interest rates rise by 1%, your total repayment will increase by $13,645 per year. If your interest rate rises by 2%, your repayment will increase by $27,290 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $20,999 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-05,"2018-10-05 00:19:17"
682,"Paul Bond",NSW,pbond767@yahoo.com.au,married/defacto,3,home,0,,400,week,0,week,5000,fortnight,0,week,1500,5000,3000,500000,256000,3.80,400000,400000,4.10,1350000,2,193000,51572,"I am a New Investor (1-3 properties)",Media,8469,,,152454,35,13,52,"Based on your financial information, we estimate that your risk position requires a buffer size of $23,548 - $64,154","Should interest rates rise by 1%, your total repayment will increase by $9,000 per year. If your interest rate rises by 2%, your repayment will increase by $18,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $12,031 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-05,"2018-10-05 00:12:02"
681,"stephen mcclatchie",VIC,stephenm@loansaustralia.com.au,married/defacto,3,home,0,,61000,annual,0,week,250000,annual,60000,annual,0,30000,6000,1000000,0,3.69,630000,430000,4.99,5650000,15,120000,178941,"I am an Advanced Investor (3+ properties)",Other,132903,,,2392259,50,10,40,"Based on your financial information, we estimate that your risk position requires a buffer size of $78,160 - $198,203","Should interest rates rise by 1%, your total repayment will increase by $16,300 per year. If your interest rate rises by 2%, your repayment will increase by $32,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $7,886 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-04,"2018-10-04 12:01:00"
680,"Danny Lennon",VIC,d_d_lennon@hotmail.com,married/defacto,2,home,0,,100,annual,0,annual,98000,annual,0,week,0,0,4800,500000,0,3.70,0,0,4.99,930000,0,50000,12833,"I am Looking to upgrade my home in future","Property Chat",-480,,,0,13,19,68,"Based on your financial information, we estimate that your risk position requires a buffer size of $7,034 - $24,884","Should interest rates rise by 1%, your total repayment will increase by $5,000 per year. If your interest rate rises by 2%, your repayment will increase by $10,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","47Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-04,"2018-10-04 04:12:33"
679,"John Chandler",QLD,keagraphics@hotmail.com,single,0,"Other(Living Rent Free)",0,,315,week,0,week,205,week,0,,0,8000,800,0,0,4.49,883000,883000,4.99,2425000,6,160000,-22924,"I am an Advanced Investor (3+ properties)","Smart Property Investment",-74651,,,0,-96,33,164,"Based on your financial information, we estimate that your risk position requires a buffer size of $33,847 - $79,361","Should interest rates rise by 1%, your total repayment will increase by $8,830 per year. If your interest rate rises by 2%, your repayment will increase by $17,660 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $16,194 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-04,"2018-10-04 04:06:47"
678,"John Chandler",QLD,keagraphics@hotmail.com,single,0,"Other(Living Rent Free)",0,,315,week,0,week,205,week,0,,0,8000,800,0,0,4.49,623000,623000,4.99,1530000,3,160000,-14279,"I am an Advanced Investor (3+ properties)","Smart Property Investment",-56428,,,0,-60,33,127,"Based on your financial information, we estimate that your risk position requires a buffer size of $18,976 - $46,086","Should interest rates rise by 1%, your total repayment will increase by $6,230 per year. If your interest rate rises by 2%, your repayment will increase by $12,460 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $11,426 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","3Years / 5 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-04,"2018-10-04 04:01:38"
677,"Jo Blogs",QLD,whitean08@gmail.com,married/defacto,0,home,0,,0,week,0,week,3000,fortnight,1000,fortnight,0,5000,1500,20000,0,4.49,0,0,4.99,500000,1,230000,82985,"I am looking to review my situation","Smart Property Investment",58562,,,1054129,80,1,19,"Based on your financial information, we estimate that your risk position requires a buffer size of $8,296 - $25,498","Should interest rates rise by 1%, your total repayment will increase by $200 per year. If your interest rate rises by 2%, your repayment will increase by $400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-03,"2018-10-03 23:10:00"
676,Mathew,NSW,mech168@uowmail.edu.au,married/defacto,0,home,0,,0,week,0,week,1054,week,800,week,469,0,3885,415000,0,4.04,0,0,4.99,900000,1,40000,20270,"I am a New Investor (1-3 properties)","Smart Property Investment",10187,,,183377,21,17,62,"Based on your financial information, we estimate that your risk position requires a buffer size of $9,970 - $30,598","Should interest rates rise by 1%, your total repayment will increase by $4,150 per year. If your interest rate rises by 2%, your repayment will increase by $8,300 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-03,"2018-10-03 21:58:39"
675,indhu,VIC,indhud@gmail.com,married/defacto,2,home,0,,0,week,0,week,120000,annual,32000,annual,0,0,4000,3200,0,3.90,0,0,3.90,1200000,1,120000,103819,"I am Looking to upgrade my home in future",Other,103738,,,1867284,68,0,32,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,326 - $33,358","Should interest rates rise by 1%, your total repayment will increase by $32 per year. If your interest rate rises by 2%, your repayment will increase by $64 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-03,"2018-10-03 04:36:02"
674,,VIC,indhud@gmail.com,married/defacto,2,home,0,,0,week,0,week,120000,annual,32000,annual,0,0,4000,3200,0,3.90,0,0,3.90,1200000,1,120000,103819,"I am Looking to upgrade my home in future",Other,103738,,,1867284,68,0,32,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,326 - $33,358","Should interest rates rise by 1%, your total repayment will increase by $32 per year. If your interest rate rises by 2%, your repayment will increase by $64 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-03,"2018-10-03 04:35:56"
673,"Nita PumpkinEater",NSW,nita@pumpkineater.com,married/defacto,1,home,0,,36716,annual,0,week,116874,annual,78643,annual,0,6000,5000,498000,0,3.65,780000,780000,4.19,2097000,3,55000,104829,"I am looking to review my situation",Other,56427,,,1015691,47,8,45,"Based on your financial information, we estimate that your risk position requires a buffer size of $32,697 - $90,809","Should interest rates rise by 1%, your total repayment will increase by $12,780 per year. If your interest rate rises by 2%, your repayment will increase by $25,560 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $14,305 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-02,"2018-10-02 09:23:14"
672,"Peter PumpkinEater",NSW,peter@pumpkineater.com,married/defacto,0,home,0,,0,week,0,week,61383,annual,61383,annual,0,0,2000,1050000,0,3.88,0,0,4.99,1200000,1,50000,39480,"I am looking to review my situation",Other,-5188,,,0,32,33,35,"Based on your financial information, we estimate that your risk position requires a buffer size of $24,536 - $62,586","Should interest rates rise by 1%, your total repayment will increase by $10,500 per year. If your interest rate rises by 2%, your repayment will increase by $21,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","40Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2018-10-02,"2018-10-02 09:17:18"
671,"wayne clayton",QLD,wamouse@outlook.com,married/defacto,2,home,0,,700,week,0,week,0,week,0,week,0,12500,2000,0,0,4.49,1278044,1278044,4.39,3000000,5,100000,-44981,"I am an Advanced Investor (3+ properties)","Property Chat",-112928,,,0,-154,0,254,"Based on your financial information, we estimate that your risk position requires a buffer size of $41,171 - $96,887","Should interest rates rise by 1%, your total repayment will increase by $12,780 per year. If your interest rate rises by 2%, your repayment will increase by $25,560 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $23,440 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 10 Months",,"Your risk position could be improved",,0,0,2018-10-02,"2018-10-02 09:10:25"
670,"Lawrence Puang",NSW,lpuang@gmail.com,single,0,renting,700,week,6500,month,0,annual,14500,month,0,,0,40000,4000,0,0,4.49,1300000,1200000,4.50,2400000,2,20000,76077,"I am looking to review my situation",Other,23886,,,429960,32,15,52,"Based on your financial information, we estimate that your risk position requires a buffer size of $28,505 - $83,831","Should interest rates rise by 1%, your total repayment will increase by $13,000 per year. If your interest rate rises by 2%, your repayment will increase by $26,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $22,008 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-10-01,"2018-10-01 03:24:40"
669,"Cheng Zhu",NSW,chengenzhu@yahoo.com.au,married/defacto,2,home,0,,4186,week,10000,annual,110000,annual,760,week,0,15000,11000,370000,0,4.00,3000000,1815000,4.65,5830000,11,20000,2858,"I am an Advanced Investor (3+ properties)","Property Chat",-102944,,,0,1,4,95,"Based on your financial information, we estimate that your risk position requires a buffer size of $84,647 - $206,112","Should interest rates rise by 1%, your total repayment will increase by $33,700 per year. If your interest rate rises by 2%, your repayment will increase by $67,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $33,287 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 1 Months",,"You risk levels are high.",,0,0,2018-09-29,"2018-09-29 23:30:55"
668,Mina,VIC,slimbu@hotmail.com,married/defacto,3,home,0,,44000,annual,257,fortnight,1860,fortnight,1860,fortnight,0,1000,2700,300000,0,3.99,748000,520000,5.50,1600000,3,1000,43971,"I am a New Investor (1-3 properties)","Property Chat",7346,,,132234,32,9,60,"Based on your financial information, we estimate that your risk position requires a buffer size of $26,520 - $67,390","Should interest rates rise by 1%, your total repayment will increase by $10,480 per year. If your interest rate rises by 2%, your repayment will increase by $20,960 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $9,537 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","1Years / 1 Months",,"Your risk position is HEALTHY.",,0,0,2018-09-29,"2018-09-29 22:06:52"
667,Bee,ACT,Armjen@gmail.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,1000,week,0,,500,5000,2000,0,0,4.49,0,0,4.99,0,0,30000,20200,"None of the above",Media,12399,,,223199,39,15,46,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,166 - $8,666","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-29,"2018-09-29 15:01:06"
666,"Hieu Nguyen",VIC,hieund1985@gmail.com,married/defacto,1,home,0,,1435,week,0,week,2500,week,500,week,0,0,4000,200000,0,4.15,1500000,120000,4.30,2080000,4,50000,71806,"I am looking to review my situation","Property Chat",30834,,,555019,33,4,63,"Based on your financial information, we estimate that your risk position requires a buffer size of $41,888 - $107,894","Should interest rates rise by 1%, your total repayment will increase by $17,000 per year. If your interest rate rises by 2%, your repayment will increase by $34,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $2,200 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-28,"2018-09-28 06:17:09"
665,Jacob,TAS,jacobpfield@gmail.com,married/defacto,2,home,0,,16000,month,0,week,36400,month,25000,month,0,0,12000,1200000,0,4.49,1600000,0,4.99,12000000,12,350000,540378,"I am an Advanced Investor (3+ properties)",Facebook,486996,,,8765941,61,6,33,"Based on your financial information, we estimate that your risk position requires a buffer size of $81,909 - $251,467","Should interest rates rise by 1%, your total repayment will increase by $28,000 per year. If your interest rate rises by 2%, your repayment will increase by $56,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-28,"2018-09-28 05:23:23"
664,"Syed Muzaffar Ahmed",WA,thewisestfool@yahoo.com,married/defacto,2,renting,450,week,250,week,500,annual,2525,fortnight,2062,fortnight,0,15000,5000,0,0,0.10,279805,279805,4.69,35000,1,200000,29050,"I am a New Investor (1-3 properties)",Other,17903,,,322260,22,18,60,"Based on your financial information, we estimate that your risk position requires a buffer size of $138,863 - $183,107","Should interest rates rise by 1%, your total repayment will increase by $2,798 per year. If your interest rate rises by 2%, your repayment will increase by $5,596 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $5,131 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","1Years / 6 Months",,"Your risk position is HEALTHY.",,0,0,2018-09-28,"2018-09-28 02:41:18"
663,"Shirley Li",NSW,leo83@internode.on.net,married/defacto,0,renting,595,week,2090,week,0,week,59484,annual,73956,annual,0,12000,3824,0,0,4.49,1793844,1793844,4.50,2235000,5,210000,56211,"I am looking to review my situation",Other,-18658,,,0,26,14,60,"Based on your financial information, we estimate that your risk position requires a buffer size of $52,015 - $135,938","Should interest rates rise by 1%, your total repayment will increase by $17,938 per year. If your interest rate rises by 2%, your repayment will increase by $35,876 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $32,900 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","6Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2018-09-28,"2018-09-28 00:08:59"
662,"Shirley Li",NSW,leo83@internode.on.net,married/defacto,0,renting,595,week,2090,week,0,week,59484,annual,73956,annual,0,12000,3824,0,0,4.49,1793844,1793844,4.50,2235000,5,60000,56211,"I am looking to review my situation",Other,-18658,,,0,26,14,60,"Based on your financial information, we estimate that your risk position requires a buffer size of $52,015 - $135,938","Should interest rates rise by 1%, your total repayment will increase by $17,938 per year. If your interest rate rises by 2%, your repayment will increase by $35,876 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $32,900 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","1Years / 8 Months",,"Your risk position is HEALTHY.",,0,0,2018-09-28,"2018-09-28 00:06:39"
661,1,NSW,1@1.com,married/defacto,1,home,0,,765,week,0,week,77453,annual,116813,annual,0,6000,5000,498000,0,3.65,787164,787164,4.19,2097000,3,45000,104941,"None of the above",Other,56218,,,1011931,46,8,46,"Based on your financial information, we estimate that your risk position requires a buffer size of $32,797 - $90,908","Should interest rates rise by 1%, your total repayment will increase by $12,851 per year. If your interest rate rises by 2%, your repayment will increase by $25,703 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $14,437 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-27,"2018-09-27 23:39:30"
660,Jey,NSW,njeyasankar@yahoo.com,married/defacto,2,home,0,,480,week,10000,annual,6480,month,1400,fortnight,0,6000,2000,602000,0,4.24,440000,440000,4.05,1420000,2,29000,64590,,,12461,,,224302,45,18,37,"Based on your financial information, we estimate that your risk position requires a buffer size of $24,116 - $64,433","Should interest rates rise by 1%, your total repayment will increase by $10,420 per year. If your interest rate rises by 2%, your repayment will increase by $20,840 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $8,069 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-27,"2018-09-27 14:02:51"
659,"Jovi Villanueva",NSW,jovivillanueva@hotmail.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,1429,week,0,,0,5000,1500,0,0,4.49,0,0,4.99,0,0,40000,54508,"I am looking to review my situation","Property Chat",43708,,,786744,73,10,16,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,096 - $12,384","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-27,"2018-09-27 11:56:18"
658,A,NSW,itsthatsimplejust123@hotmail.com,single,0,renting,500,week,0,week,0,week,126000,annual,0,,0,40000,2500,0,0,4.49,0,0,4.99,0,0,100000,55600,"I am looking to review my situation",Facebook,55600,,,1000800,44,21,35,"Based on your financial information, we estimate that your risk position requires a buffer size of $5,250 - $21,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-27,"2018-09-27 11:22:47"
657,"Therese Buggy",NSW,therese.buggy1@tafensw.edu.au,single,0,renting,340,week,745,week,0,week,2768,fortnight,0,,0,0,1400,0,0,4.49,600000,0,4.25,1350000,3,3500,31583,"None of the above","Property Chat",13686,,,246352,31,17,52,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,665 - $45,256","Should interest rates rise by 1%, your total repayment will increase by $6,000 per year. If your interest rate rises by 2%, your repayment will increase by $12,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-27,"2018-09-27 11:06:59"
656,Erks,NSW,Nakre500@hotmail.com,married/defacto,0,"Other(Living Rent Free)",0,,8190,month,0,week,23683,fortnight,2000,fortnight,0,0,2000,0,0,4.49,1240000,150000,4.99,1830,4,100000,636316,"I am Looking to upgrade my home in future","Property Chat",579897,,,10438162,85,1,14,"Based on your financial information, we estimate that your risk position requires a buffer size of $52,508,571 - $60,123,768","Should interest rates rise by 1%, your total repayment will increase by $12,400 per year. If your interest rate rises by 2%, your repayment will increase by $24,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $2,751 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 0 Months",,"You risk levels are high.",,0,0,2018-09-27,"2018-09-27 11:06:16"
655,"Therese Buggy",NSW,t963@bigpond.com,single,0,renting,340,week,745,week,0,week,2768,fortnight,0,,0,0,1400,0,0,4.49,600000,0,4.25,1350000,3,3500,31583,"None of the above","Property Chat",13686,,,246352,31,17,52,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,665 - $45,256","Should interest rates rise by 1%, your total repayment will increase by $6,000 per year. If your interest rate rises by 2%, your repayment will increase by $12,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-27,"2018-09-27 11:05:41"
654,test,VIC,latin@hotmail.com,single,0,"Other(Living Rent Free)",0,,880,week,0,week,2200,fortnight,0,,0,0,200,0,0,4.60,655000,655000,4.60,2000000,2,200000,58639,"I am looking to review my situation","Property Chat",5556,,,100011,63,8,29,"Based on your financial information, we estimate that your risk position requires a buffer size of $15,101 - $43,286","Should interest rates rise by 1%, your total repayment will increase by $6,550 per year. If your interest rate rises by 2%, your repayment will increase by $13,100 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $12,012 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-27,"2018-09-27 10:59:10"
653,"Chris Moore",NSW,mister_cmoore@hotmail.com,married/defacto,1,renting,630,week,1670,week,0,week,2850,fortnight,2900,fortnight,0,12000,6500,0,0,5.00,1300000,1300000,5.20,2000000,4,500000,32232,"I am looking to review my situation","Property Chat",-12925,,,0,15,15,70,"Based on your financial information, we estimate that your risk position requires a buffer size of $38,143 - $99,637","Should interest rates rise by 1%, your total repayment will increase by $13,000 per year. If your interest rate rises by 2%, your repayment will increase by $26,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $23,842 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","14Years / 11 Months",,"Your risk position is HEALTHY.",,0,0,2018-09-27,"2018-09-27 10:22:30"
652,Ross,QLD,Raclark36@gmail.com,married/defacto,1,home,0,,0,week,0,week,3600,fortnight,1000,fortnight,0,4000,2000,600000,300000,4.24,0,0,4.99,850000,1,200000,63751,"None of the above","Property Chat",25580,,,460450,53,21,25,"Based on your financial information, we estimate that your risk position requires a buffer size of $15,476 - $44,311","Should interest rates rise by 1%, your total repayment will increase by $6,000 per year. If your interest rate rises by 2%, your repayment will increase by $12,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $5,502 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-27,"2018-09-27 09:31:24"
651,"Baba Buba",QLD,freelancerrusa@gmx.com,married/defacto,0,renting,250,week,670,week,0,week,3142,fortnight,1600,fortnight,0,6000,1600,0,0,4.00,500000,0,4.00,650000,2,40000,86171,"I am looking to review my situation","Property Chat",51085,,,919544,57,9,34,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,897 - $49,020","Should interest rates rise by 1%, your total repayment will increase by $5,000 per year. If your interest rate rises by 2%, your repayment will increase by $10,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-27,"2018-09-27 08:59:54"
650,"Jason Wells",NSW,jgbwells@gmail.com,married/defacto,0,renting,690,week,15080,annual,0,week,2074,week,50000,annual,850,0,4000,0,0,4.49,231865,231865,4.39,292000,1,112000,65050,"None of the above",Other,55117,,,992117,38,21,41,"Based on your financial information, we estimate that your risk position requires a buffer size of $13,937 - $43,691","Should interest rates rise by 1%, your total repayment will increase by $2,318 per year. If your interest rate rises by 2%, your repayment will increase by $4,637 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $4,253 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-27,"2018-09-27 08:00:24"
649,"Jason Wells",NSW,jgbwells@gmail.com,married/defacto,0,renting,690,week,15080,annual,0,week,2074,week,50000,annual,850,0,6600,0,0,4.49,231865,231865,4.39,292000,1,112000,33850,"None of the above",Other,23917,,,430517,20,21,59,"Based on your financial information, we estimate that your risk position requires a buffer size of $13,937 - $43,691","Should interest rates rise by 1%, your total repayment will increase by $2,318 per year. If your interest rate rises by 2%, your repayment will increase by $4,637 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $4,253 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-27,"2018-09-27 07:53:17"
648,"S A",ACT,shoebonline@hotmail.com,married/defacto,2,home,0,,0,week,0,week,2500,week,11500,month,0,75000,8000,370000,0,3.85,0,0,4.99,650000,1,250000,124185,"I am looking to review my situation",Twitter,114711,,,2064804,46,5,48,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,532 - $59,202","Should interest rates rise by 1%, your total repayment will increase by $3,700 per year. If your interest rate rises by 2%, your repayment will increase by $7,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-27,"2018-09-27 06:11:54"
647,"marty mac",NSW,marty@mortgage.com.au,married/defacto,3,home,0,,0,week,0,week,12000,month,9000,month,500,20000,8000,1000000,250000,4.49,0,0,4.99,2100000,1,200000,86027,"I am Looking to upgrade my home in future",Other,59719,,,1074958,34,18,48,"Based on your financial information, we estimate that your risk position requires a buffer size of $20,587 - $69,442","Should interest rates rise by 1%, your total repayment will increase by $10,000 per year. If your interest rate rises by 2%, your repayment will increase by $20,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $4,585 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-27,"2018-09-27 04:43:38"
646,"Sunil Halai",WA,sunil.halai@gmail.com,married/defacto,1,home,0,,0,week,0,week,70000,annual,0,week,1150,6000,1500,245000,0,3.70,0,0,4.99,650000,1,10000,22508,"I am looking to review my situation","Property Chat",-3215,,,0,32,13,55,"Based on your financial information, we estimate that your risk position requires a buffer size of $7,747 - $23,153","Should interest rates rise by 1%, your total repayment will increase by $2,450 per year. If your interest rate rises by 2%, your repayment will increase by $4,900 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-27,"2018-09-27 04:32:36"
645,"Shirley Li",NSW,leo83@internode.on.net,married/defacto,1,renting,595,week,1990,week,0,week,73956,annual,59484,annual,0,12000,8425,0,0,4.49,1893608,1893608,4.50,2235000,5,60000,-4526,"I am looking to review my situation",Other,-83483,,,0,-2,14,88,"Based on your financial information, we estimate that your risk position requires a buffer size of $58,770 - $146,075","Should interest rates rise by 1%, your total repayment will increase by $18,936 per year. If your interest rate rises by 2%, your repayment will increase by $37,872 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $34,729 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 6 Months",,"Your risk position could be improved",,0,0,2018-09-27,"2018-09-27 04:03:14"
644,Test,,Test@test.com,single,0,renting,340,week,620,week,0,week,4938,month,0,,0,0,1539,0,0,4.49,475000,310000,5.00,500000,2,35000,21137,,,4338,,,78087,25,21,54,"Based on your financial information, we estimate that your risk position requires a buffer size of $21,093 - $48,122","Should interest rates rise by 1%, your total repayment will increase by $4,750 per year. If your interest rate rises by 2%, your repayment will increase by $9,500 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $5,685 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","2Years / 10 Months",,"Your risk position is HEALTHY.",,0,0,2018-09-27,"2018-09-27 03:39:35"
643,Test,,Test@test.com,single,0,renting,340,week,620,week,0,week,4938,month,0,,0,0,1539,0,0,4.49,475000,310000,5.00,500000,2,35000,21137,,,4338,,,78087,25,21,54,"Based on your financial information, we estimate that your risk position requires a buffer size of $21,093 - $48,122","Should interest rates rise by 1%, your total repayment will increase by $4,750 per year. If your interest rate rises by 2%, your repayment will increase by $9,500 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $5,685 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","2Years / 10 Months",,"Your risk position is HEALTHY.",,0,0,2018-09-27,"2018-09-27 03:29:37"
642,"Sunil Halai",WA,Sunil.halai@gmail.com,married/defacto,1,home,0,,0,week,0,week,2200,fortnight,0,,1150,6000,1500,245000,0,3.70,0,0,4.31,0,0,10000,9708,"I am looking to review my situation","Property Chat",-16015,,,0,17,16,67,"Based on your financial information, we estimate that your risk position requires a buffer size of $NaN - $NaN","Should interest rates rise by 1%, your total repayment will increase by $2,450 per year. If your interest rate rises by 2%, your repayment will increase by $4,900 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2018-09-27,"2018-09-27 03:29:05"
641,"Brendon Baker",ACT,brendonbaker99@gmail.com,married/defacto,1,renting,740,week,81000,annual,0,week,14000,month,500,month,0,16000,5000,84000,84000,4.74,1408682,1408682,4.54,1800000,3,235000,66103,"I am looking to review my situation","Property Chat",4568,,,82225,28,18,55,"Based on your financial information, we estimate that your risk position requires a buffer size of $43,750 - $117,167","Should interest rates rise by 1%, your total repayment will increase by $14,926 per year. If your interest rate rises by 2%, your repayment will increase by $29,853 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $27,377 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","22Years / 8 Months",,"Your risk position is HEALTHY.",,0,0,2018-09-27,"2018-09-27 02:50:51"
640,Test,,Test@test.com,single,0,renting,340,week,620,week,0,week,4938,month,0,,0,0,1539,0,0,4.49,475000,310000,4.80,500000,2,35000,21997,,,4338,,,78087,26,21,53,"Based on your financial information, we estimate that your risk position requires a buffer size of $21,093 - $48,122","Should interest rates rise by 1%, your total repayment will increase by $4,750 per year. If your interest rate rises by 2%, your repayment will increase by $9,500 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $5,685 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","3Years / 1 Months",,"Your risk position is HEALTHY.",,0,0,2018-09-27,"2018-09-27 02:49:47"
639,test,,test@test.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,75000,annual,0,,100,0,1000,0,0,4.49,0,0,4.99,0,0,0,61800,,,45000,,,810000,82,10,7,"Based on your financial information, we estimate that your risk position requires a buffer size of $3,125 - $12,500","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-27,"2018-09-27 02:38:31"
638,Bankei,NSW,bankei@gmail.com,married/defacto,0,home,0,,475,week,0,week,2000,week,1000,week,0,12000,2500,0,0,4.49,480000,0,4.12,1200000,2,80000,114222,"I am an Advanced Investor (3+ properties)","Property Chat",90827,,,1634894,65,0,35,"Based on your financial information, we estimate that your risk position requires a buffer size of $16,300 - $49,029","Should interest rates rise by 1%, your total repayment will increase by $4,800 per year. If your interest rate rises by 2%, your repayment will increase by $9,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-27,"2018-09-27 02:10:19"
637,kevin,NSW,kshitij79@yahoo.com,married/defacto,2,home,0,,1000,week,0,week,3300,fortnight,3000,fortnight,0,17000,4500,200000,0,3.80,1000000,0,3.85,2600000,3,60000,79098,"I am looking to review my situation",Other,48304,,,869483,39,4,58,"Based on your financial information, we estimate that your risk position requires a buffer size of $24,479 - $70,191","Should interest rates rise by 1%, your total repayment will increase by $12,000 per year. If your interest rate rises by 2%, your repayment will increase by $24,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-27,"2018-09-27 02:07:54"
636,"Greg Davey",WA,gregory_davey@hotmail.com,married/defacto,0,"Other(Living Rent Free)",0,,1160,week,0,week,118000,annual,20000,annual,0,15000,2000,0,0,0.10,998000,374000,4.29,2000000,4,100000,102561,"I am an Advanced Investor (3+ properties)","Property Chat",46297,,,833346,55,4,41,"Based on your financial information, we estimate that your risk position requires a buffer size of $28,751 - $76,522","Should interest rates rise by 1%, your total repayment will increase by $9,980 per year. If your interest rate rises by 2%, your repayment will increase by $19,960 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $6,859 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-27,"2018-09-27 01:42:14"
635,david,NSW,david.decosta10@gmail.com,married/defacto,3,renting,785,week,420000,annual,0,week,3700,fortnight,2700,month,0,5000,6000,0,0,4.49,6900000,3500000,4.00,12600000,16,500000,5760,"None of the above","Property Chat",-241361,,,0,1,9,90,"Based on your financial information, we estimate that your risk position requires a buffer size of $144,193 - $350,795","Should interest rates rise by 1%, your total repayment will increase by $69,000 per year. If your interest rate rises by 2%, your repayment will increase by $138,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $64,191 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 1 Months",,"Your risk position is HEALTHY.",,0,0,2018-09-27,"2018-09-27 01:40:08"
634,"Greg Davey",WA,gregory_davey@hotmail.com,married/defacto,0,"Other(Living Rent Free)",0,,700,week,0,week,118000,annual,20000,annual,0,15000,2000,0,0,0.10,998000,374000,4.29,2000000,4,100000,90506,"I am an Advanced Investor (3+ properties)","Property Chat",34241,,,616344,54,5,41,"Based on your financial information, we estimate that your risk position requires a buffer size of $28,751 - $76,522","Should interest rates rise by 1%, your total repayment will increase by $9,980 per year. If your interest rate rises by 2%, your repayment will increase by $19,960 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $6,859 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-27,"2018-09-27 01:40:04"
633,david,NSW,david.decosta10@gmail.com,married/defacto,3,renting,785,week,420000,annual,0,week,3700,fortnight,2700,month,0,5000,6000,0,0,4.49,6890000,3500000,4.00,12600000,16,600000,6166,"None of the above","Property Chat",-240709,,,0,1,9,90,"Based on your financial information, we estimate that your risk position requires a buffer size of $144,047 - $350,525","Should interest rates rise by 1%, your total repayment will increase by $68,900 per year. If your interest rate rises by 2%, your repayment will increase by $137,800 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $64,191 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 6 Months",,"Your risk position is HEALTHY.",,0,0,2018-09-27,"2018-09-27 01:34:59"
632,"dont know",QLD,dontknow@dontknow.com.au,married/defacto,2,home,0,,104000,annual,0,week,80000,annual,80000,annual,0,0,2000,520000,0,5.00,2000000,1500000,5.00,3500000,7,50000,81009,"None of the above","Smart Property Investment",-15887,,,0,33,11,56,"Based on your financial information, we estimate that your risk position requires a buffer size of $63,593 - $157,297","Should interest rates rise by 1%, your total repayment will increase by $25,200 per year. If your interest rate rises by 2%, your repayment will increase by $50,400 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $27,510 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2018-09-26,"2018-09-26 23:17:52"
631,"Audh Fix",NSW,admin@confidencefinance.com.au,married/defacto,0,"Other(Living Rent Free)",0,,360,week,0,week,99407,annual,5682,month,0,25000,700,0,0,4.49,896486,783486,5.19,1390000,3,16000,126452,,,49944,,,899009,69,4,26,"Based on your financial information, we estimate that your risk position requires a buffer size of $29,367 - $79,756","Should interest rates rise by 1%, your total repayment will increase by $8,964 per year. If your interest rate rises by 2%, your repayment will increase by $17,929 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $14,370 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-26,"2018-09-26 11:56:19"
630,"Audh testing",NSW,admin@confidencefinance.com.au,married/defacto,0,"Other(Living Rent Free)",0,,360,week,0,week,99407,annual,5682,month,0,25000,700,0,0,4.49,896486,783486,5.19,1390000,3,16000,126452,,,49944,,,899009,69,4,26,"Based on your financial information, we estimate that your risk position requires a buffer size of $29,367 - $79,756","Should interest rates rise by 1%, your total repayment will increase by $8,964 per year. If your interest rate rises by 2%, your repayment will increase by $17,929 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $14,370 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-26,"2018-09-26 11:54:45"
629,"Audh testing",NSW,admin@confidencefinance.com.au,married/defacto,0,"Other(Living Rent Free)",0,,360,week,0,week,99407,annual,5682,annual,0,25000,700,0,0,4.49,896486,783486,5.19,1390000,3,16000,63950,,,-6557,,,0,53,6,40,"Based on your financial information, we estimate that your risk position requires a buffer size of $26,763 - $69,339","Should interest rates rise by 1%, your total repayment will increase by $8,964 per year. If your interest rate rises by 2%, your repayment will increase by $17,929 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $14,370 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-26,"2018-09-26 11:53:11"
628,"Testing SYED",ACT,admin@confidencefinance.com.au,single,0,"Other(Living Rent Free)",0,,0,week,0,week,5000,month,0,,0,20000,10000,0,0,4.49,0,0,4.99,0,0,0,-67200,,,-75000,,,0,-112,13,199,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,500 - $10,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 0 Months",,"You risk levels are high.",,0,0,2018-09-26,"2018-09-26 11:44:20"
627,"Testing SYED",ACT,admin@confidencefinance.com.au,single,0,"Other(Living Rent Free)",0,,0,week,0,week,5000,month,0,,0,20000,4500,0,0,4.49,0,0,4.99,0,0,0,-1200,,,-9000,,,0,-2,13,89,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,500 - $10,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 0 Months",,"You risk levels are high.",,0,0,2018-09-26,"2018-09-26 11:43:25"
626,"Jenny & Trevor",NSW,admin@confidencefinance.com.au,married/defacto,0,home,0,,0,month,0,fortnight,113153,annual,0,annual,0,0,3590,950000,0,3.69,0,0,4.99,1450000,1,0,17665,,,-7695,,,0,16,31,53,"Based on your financial information, we estimate that your risk position requires a buffer size of $16,065 - $45,098","Should interest rates rise by 1%, your total repayment will increase by $9,500 per year. If your interest rate rises by 2%, your repayment will increase by $19,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 0 Months",,"You risk levels are high.",,0,0,2018-09-26,"2018-09-26 07:34:31"
625,test,ACT,test@gmail.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,5000,month,0,,0,0,10000,0,0,3.69,0,0,4.50,0,0,25000,-60000,"I am looking to review my situation","Property Chat",-67800,,,0,-100,13,187,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,500 - $10,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 4 Months",,"You risk levels are high.",,0,0,2018-09-26,"2018-09-26 06:08:14"
624,test,ACT,test@gmail.com,single,0,home,0,,0,week,0,week,5000,month,0,,0,0,10000,0,0,3.69,0,0,4.50,0,0,25000,-60000,"I am looking to review my situation","Property Chat",-60000,,,0,-100,0,200,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,500 - $10,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 4 Months",,"You risk levels are high.",,0,0,2018-09-26,"2018-09-26 06:05:11"
623,test,ACT,test@gmail.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,5000,month,0,,0,0,10000,0,0,3.69,0,0,4.50,0,0,25000,-60000,"I am looking to review my situation","Property Chat",-67800,,,0,-100,13,187,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,500 - $10,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 4 Months",,"You risk levels are high.",,0,0,2018-09-26,"2018-09-26 06:03:53"
622,test,ACT,test@gmail.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,5000,month,0,,0,0,10000,0,0,3.69,0,0,4.50,0,0,25000,-60000,"I am looking to review my situation","Property Chat",31200,,,561600,-100,13,187,"Based on your financial information, we estimate that your risk position requires a buffer size of $2,500 - $10,000","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","0Years / 4 Months",,"You risk levels are high.",,0,0,2018-09-26,"2018-09-26 05:41:53"
621,test26,QLD,test@gmail.com,single,0,"Other(Living Rent Free)",0,,1200,month,500,month,1200,week,0,,0,0,1000,400000,100000,3.62,400000,400000,3.90,850000,0,0,34690,"I am Looking to upgrade my home in future","Property Chat",-14409,,,0,43,28,29,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,950 - $47,058","Should interest rates rise by 1%, your total repayment will increase by $8,000 per year. If your interest rate rises by 2%, your repayment will increase by $16,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $9,170 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-26,"2018-09-26 05:36:46"
620,test26,QLD,test@gmail.com,single,0,home,0,,1200,month,500,month,1200,week,0,,0,0,1000,400000,100000,3.62,400000,400000,3.90,850000,0,0,34690,"I am Looking to upgrade my home in future","Property Chat",-6609,,,0,43,18,38,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,950 - $47,058","Should interest rates rise by 1%, your total repayment will increase by $8,000 per year. If your interest rate rises by 2%, your repayment will increase by $16,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $9,170 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-26,"2018-09-26 05:16:27"
619,test26,QLD,test@gmail.com,single,0,home,0,,1200,month,500,month,1200,week,0,,0,0,1000,400000,100000,3.62,400000,400000,3.90,850000,0,0,34690,"I am Looking to upgrade my home in future","Property Chat",-6609,,,0,43,18,38,"Based on your financial information, we estimate that your risk position requires a buffer size of $19,950 - $47,058","Should interest rates rise by 1%, your total repayment will increase by $8,000 per year. If your interest rate rises by 2%, your repayment will increase by $16,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $9,170 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-26,"2018-09-26 04:58:31"
618,"Carl Payne",VIC,carlpayne001@gmail.com,married/defacto,2,home,0,,500,week,200,month,6000,month,2500,month,0,0,3000,500000,50000,4.00,600000,600000,4.49,2500000,2,100000,36774,"I am looking to review my situation","Property Chat",-7722,,,0,29,16,55,"Based on your financial information, we estimate that your risk position requires a buffer size of $20,043 - $58,833","Should interest rates rise by 1%, your total repayment will increase by $11,000 per year. If your interest rate rises by 2%, your repayment will increase by $22,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $11,921 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","198Years / 7 Months",,"Your risk position is HEALTHY.",,0,0,2018-09-26,"2018-09-26 04:08:45"
617,"Carl Payne",VIC,carlpayne001@gmail.com,married/defacto,2,home,0,,500,week,200,month,6000,month,2500,month,0,0,3000,500000,50000,4.00,600000,600000,4.49,2500000,2,70000,36774,"I am looking to review my situation","Property Chat",-7722,,,0,29,16,55,"Based on your financial information, we estimate that your risk position requires a buffer size of $20,043 - $58,833","Should interest rates rise by 1%, your total repayment will increase by $11,000 per year. If your interest rate rises by 2%, your repayment will increase by $22,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $11,921 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","139Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2018-09-26,"2018-09-26 04:07:00"
616,"Carl Payne",VIC,carlpayne001@gmail.com,married/defacto,2,home,0,,500,week,200,month,6000,month,2500,month,0,0,3000,600000,150000,4.00,600000,600000,4.49,2500000,2,0,32774,"I am looking to review my situation","Property Chat",-16396,,,0,26,19,55,"Based on your financial information, we estimate that your risk position requires a buffer size of $21,688 - $62,602","Should interest rates rise by 1%, your total repayment will increase by $12,000 per year. If your interest rate rises by 2%, your repayment will increase by $24,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $13,755 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 0 Months",,"You risk levels are high.",,0,0,2018-09-26,"2018-09-26 04:01:43"
615,"Sherwin Audh",NSW,sherwin.audh@gmail.com,married/defacto,0,"Other(Living Rent Free)",0,,18720,annual,0,week,99407,annual,5682,month,0,25000,700,0,0,4.49,896486,783486,5.19,1390000,3,16000,126452,"I am looking to review my situation",Other,89544,,,1611809,69,4,26,"Based on your financial information, we estimate that your risk position requires a buffer size of $29,367 - $79,756","Should interest rates rise by 1%, your total repayment will increase by $8,964 per year. If your interest rate rises by 2%, your repayment will increase by $17,929 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $14,370 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-26,"2018-09-26 03:50:14"
614,Gareth,NSW,gareth.lake@outlook.com,single,0,home,0,,0,week,0,week,2485,fortnight,0,,420,6000,1300,316000,0,3.59,0,0,4.99,390000,1,2000,24591,"I am looking to review my situation","Smart Property Investment",10541,,,189753,38,18,44,"Based on your financial information, we estimate that your risk position requires a buffer size of $10,054 - $27,576","Should interest rates rise by 1%, your total repayment will increase by $3,160 per year. If your interest rate rises by 2%, your repayment will increase by $6,320 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-26,"2018-09-26 03:27:14"
613,erik,NSW,ereurts@gmail.com,married/defacto,3,renting,550,week,1000,week,0,week,920,week,1400,week,2240,10000,3500,0,0,4.49,680000,680000,4.30,1300000,2,40000,27850,"I am an Advanced Investor (3+ properties)","Smart Property Investment",-1891,,,0,17,18,65,"Based on your financial information, we estimate that your risk position requires a buffer size of $20,001 - $56,911","Should interest rates rise by 1%, your total repayment will increase by $6,800 per year. If your interest rate rises by 2%, your repayment will increase by $13,600 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $12,471 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","4Years / 11 Months",,"Your risk position is HEALTHY.",,0,0,2018-09-26,"2018-09-26 03:06:06"
612,"Living Expense",NSW,admin@confidencefinance.com.au,single,0,"Other(Living Rent Free)",0,,0,week,0,week,2500,week,0,,0,0,10000,0,0,4.49,0,0,4.99,0,0,5000,10000,,,98200,,,1767600,8,6,86,"Based on your financial information, we estimate that your risk position requires a buffer size of $5,416 - $21,666","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","6Years / 0 Months",,"Your risk position is HEALTHY.",,0,0,2018-09-26,"2018-09-26 01:38:01"
611,"Sherwin Audh",NSW,admin@confidencefinance.com.au,married/defacto,0,"Other(Living Rent Free)",0,,360,week,0,week,100953,annual,70908,annual,0,25000,750,0,0,4.49,900000,790000,5.20,1400000,3,16000,129953,,,92954,,,1673173,70,4,26,"Based on your financial information, we estimate that your risk position requires a buffer size of $29,573 - $80,591","Should interest rates rise by 1%, your total repayment will increase by $9,000 per year. If your interest rate rises by 2%, your repayment will increase by $18,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $14,488 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-26,"2018-09-26 00:31:00"
610,"Sherwin Audh",NSW,admin@confidencefinance.com.au,married/defacto,0,"Other(Living Rent Free)",0,,360,week,0,week,100953,annual,70908,annual,0,25000,750,0,0,4.49,900000,790000,5.20,0,1400000,16000,129953,,,92954,,,1673173,70,4,26,"Based on your financial information, we estimate that your risk position requires a buffer size of $NaN - $NaN","Should interest rates rise by 1%, your total repayment will increase by $9,000 per year. If your interest rate rises by 2%, your repayment will increase by $18,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $14,488 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2018-09-26,"2018-09-26 00:30:17"
609,"Frank halim",VIC,frankhalim@hotmail.com,married/defacto,0,home,0,,180000,annual,0,annual,100000,annual,50000,annual,0,100000,3000,0,0,4.49,2000000,900000,4.99,18000000,22,1000000,86330,"I am looking to review my situation","Smart Property Investment",27909,,,502372,29,0,71,"Based on your financial information, we estimate that your risk position requires a buffer size of $100848 - $240347","Should interest rates rise by 1%, your total repayment will increase by $20000 per year. If your interest rate rises by 2%, your repayment will increase by $40000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $16506 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","12Years / 3 Months",,"Your risk position is HEALTHY.",,0,0,2018-09-25,"2018-09-25 22:59:01"
608,"Frank halim",VIC,frankhalim@hotmail.com,married/defacto,0,home,0,,180000,annual,0,annual,100000,annual,50000,annual,0,100000,3000,0,0,4.49,2000000,900000,4.99,18000000,22,1000000,86330,"I am looking to review my situation","Smart Property Investment",27909,,,502372,29,0,71,"Based on your financial information, we estimate that your risk position requires a buffer size of $100848 - $240347","Should interest rates rise by 1%, your total repayment will increase by $20000 per year. If your interest rate rises by 2%, your repayment will increase by $40000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $16506 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","12Years / 3 Months",,"Your risk position is HEALTHY.",,0,0,2018-09-25,"2018-09-25 22:58:40"
607,"Frank halim",VIC,frankhalim@hotmail.com,married/defacto,0,home,0,,180000,annual,0,annual,100000,annual,50000,annual,0,100000,3000,0,0,4.49,2000000,900000,4.99,18000000,22,1000000,86330,"I am looking to review my situation","Smart Property Investment",27909,,,502372,29,0,71,"Based on your financial information, we estimate that your risk position requires a buffer size of $100848 - $240347","Should interest rates rise by 1%, your total repayment will increase by $20000 per year. If your interest rate rises by 2%, your repayment will increase by $40000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $16506 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","12Years / 3 Months",,"Your risk position is HEALTHY.",,0,0,2018-09-25,"2018-09-25 22:58:38"
606,Jsdon,NSW,Bhavinnet@gmail.com,married/defacto,2,home,0,,110000,annual,60000,annual,80000,annual,0,annual,6000,6000,5000,650000,0,4.49,1100000,0,4.99,2500000,5,240000,-30660,"I am looking to review my situation","Smart Property Investment",-63662,,,0,-13,13,101,"Based on your financial information, we estimate that your risk position requires a buffer size of $39,677 - $91,490","Should interest rates rise by 1%, your total repayment will increase by $17,500 per year. If your interest rate rises by 2%, your repayment will increase by $35,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 6 Months",,"Your risk position is HEALTHY.",,0,0,2018-09-25,"2018-09-25 22:30:53"
605,cvbc,SA,cxvcvx@gfhfgh.kkk,single,0,home,0,,0,week,0,week,5000,month,0,,100,41000,1500,35000,35000,4.49,20000,20000,4.99,75000,2,5000,23804,"I am a First Home Buyer","Property Chat",18602,,,334844,40,3,58,"Based on your financial information, we estimate that your risk position requires a buffer size of $11245 - $27986","Should interest rates rise by 1%, your total repayment will increase by $550 per year. If your interest rate rises by 2%, your repayment will increase by $1100 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $1008 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.",Indefinitely,,"Your risk position is HEALTHY.",,0,0,2018-09-25,"2018-09-25 14:20:10"
604,aaaaa,QLD,xsdfgds@fgfgh.hjjh,single,0,home,0,,500,week,0,week,5000,month,0,,100,10000,1500,350000,350000,4.49,200000,200000,4.99,750000,2,5000,27939,"I am Looking to upgrade my home in future","Property Chat",2928,,,52717,35,19,46,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,949 - $45,874","Should interest rates rise by 1%, your total repayment will increase by $5,500 per year. If your interest rate rises by 2%, your repayment will increase by $11,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $10,087 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 3 Months",,"Your risk position is HEALTHY.",,0,0,2018-09-25,"2018-09-25 14:16:42"
603,aaa,WA,swfdfgrsgf@gfgfg.kkk,single,0,home,0,,500,week,0,week,5000,month,0,,100,10000,1500,350000,350000,4.49,200000,200000,4.99,750000,2,5000,27939,"I am looking to review my situation",Media,2928,,,52717,35,19,46,"Based on your financial information, we estimate that your risk position requires a buffer size of $17949 - $45874","Should interest rates rise by 1%, your total repayment will increase by $5500 per year. If your interest rate rises by 2%, your repayment will increase by $11000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $10087 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 3 Months",,"Your risk position is HEALTHY.",,0,0,2018-09-25,"2018-09-25 14:14:02"
602,aaaa,WA,asdfsf@GHGHG.kkkk,single,0,home,0,,0,week,0,week,5000,month,0,,100,10000,1500,350000,350000,4.49,200000,200000,4.99,750000,2,5000,14835,"I am Looking to upgrade my home in future","Smart Property Investment",-10175,,,0,25,26,49,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,949 - $45,874","Should interest rates rise by 1%, your total repayment will increase by $5,500 per year. If your interest rate rises by 2%, your repayment will increase by $11,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $10,087 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","0Years / 3 Months",,"You risk levels are high.",,0,0,2018-09-25,"2018-09-25 14:11:37"
601,aaa,NT,dsfsd@fgfg.kkk,single,0,home,0,,500,week,0,fortnight,5000,month,0,,100,10000,1500,350000,350000,4.49,200000,200000,4.99,750000,2,5000,27939,"I am a First Home Buyer","Smart Property Investment",2928,,,52717,35,19,46,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,949 - $45,874","Should interest rates rise by 1%, your total repayment will increase by $5,500 per year. If your interest rate rises by 2%, your repayment will increase by $11,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $10,087 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 3 Months",,"Your risk position is HEALTHY.",,0,0,2018-09-25,"2018-09-25 13:58:09"
600,aaaaaa,SA,aaaaa@gfgf.kkk,single,0,home,0,,500,week,0,week,50000,month,0,,100,10000,1500,350000,350000,4.49,200000,200000,4.99,750000,2,5000,NaN,"I am Looking to upgrade my home in future",Twitter,NaN,,,0,NaN,NaN,NaN,"Based on your financial information, we estimate that your risk position requires a buffer size of $40,449 - $135,874","Should interest rates rise by 1%, your total repayment will increase by $5,500 per year. If your interest rate rises by 2%, your repayment will increase by $11,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $10,087 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2018-09-25,"2018-09-25 13:55:52"
599,aaa,WA,aa@gggg.kkk,single,0,home,0,,500,week,0,week,5000,month,0,,100,10000,1500,350000,350000,4.49,200000,200000,4.99,750000,2,5000,27939,"I am a New Investor (1-3 properties)","Smart Property Investment",2928,,,52717,35,19,46,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,949 - $45,874","Should interest rates rise by 1%, your total repayment will increase by $5,500 per year. If your interest rate rises by 2%, your repayment will increase by $11,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $10,087 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 3 Months",,"Your risk position is HEALTHY.",,0,0,2018-09-25,"2018-09-25 13:49:48"
598,aaaaaaaa,SA,aaaaaaaaa@gggg.jkj,single,0,home,0,,500,week,0,week,5000,month,0,,100,10000,1500,350000,350000,4.49,200000,200000,4.99,750000,2,5000,27939,"I am Looking to upgrade my home in future",Media,2928,,,52717,35,19,46,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,949 - $45,874","Should interest rates rise by 1%, your total repayment will increase by $5,500 per year. If your interest rate rises by 2%, your repayment will increase by $11,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $10,087 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 3 Months",,"Your risk position is HEALTHY.",,0,0,2018-09-25,"2018-09-25 13:47:19"
597,aaaaaaaa,NSW,aaaa@gmail.com,single,0,home,0,,500,week,0,week,5000,month,0,,100,10000,1500,350000,350000,4.49,200000,200000,4.99,750000,2,5000,NaN,"I am Looking to upgrade my home in future",Media,NaN,,,0,NaN,NaN,NaN,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,949 - $45,874","Should interest rates rise by 1%, your total repayment will increase by $5,500 per year. If your interest rate rises by 2%, your repayment will increase by $11,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $10,087 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2018-09-25,"2018-09-25 13:43:51"
596,tetsds-front,WA,testds@gmail.com,married/defacto,1,home,0,,212,week,12,month,1500,month,2,fortnight,1200,1,1200,12,1,4.49,1200,11,4.99,0,1,1,-5106,"I am a First Home Buyer","Smart Property Investment",-27927,,,0,-19,0,119,"Based on your financial information, we estimate that your risk position requires a buffer size of $NaN - $NaN","Should interest rates rise by 1%, your total repayment will increase by $12 per year. If your interest rate rises by 2%, your repayment will increase by $24 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2018-09-25,"2018-09-25 13:41:55"
595,aaaaaaaa,NSW,aaaa@gmail.com,single,0,home,0,,500,week,0,week,5000,month,0,,100,10000,1500,350000,350000,4.49,200000,200000,4.99,750000,2,5000,NaN,"I am Looking to upgrade my home in future",Media,NaN,,,0,NaN,NaN,NaN,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,949 - $45,874","Should interest rates rise by 1%, your total repayment will increase by $5,500 per year. If your interest rate rises by 2%, your repayment will increase by $11,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $10,087 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2018-09-25,"2018-09-25 13:41:55"
594,tetsds-front,WA,testds@gmail.com,married/defacto,1,home,0,,212,week,12,month,1500,month,2,fortnight,1200,1,1200,12,1,4.49,1200,11,4.99,0,1,1,-5106,"I am a First Home Buyer","Smart Property Investment",-27927,,,0,-19,0,119,"Based on your financial information, we estimate that your risk position requires a buffer size of $NaN - $NaN","Should interest rates rise by 1%, your total repayment will increase by $12 per year. If your interest rate rises by 2%, your repayment will increase by $24 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2018-09-25,"2018-09-25 13:40:44"
593,aaaaaaaa,NSW,aaaa@gmail.com,single,0,home,0,,500,week,0,week,5000,month,0,,100,10000,1500,350000,350000,4.49,200000,200000,4.99,750000,2,5000,NaN,"I am Looking to upgrade my home in future",Media,NaN,,,0,NaN,NaN,NaN,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,949 - $45,874","Should interest rates rise by 1%, your total repayment will increase by $5,500 per year. If your interest rate rises by 2%, your repayment will increase by $11,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $10,087 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2018-09-25,"2018-09-25 13:40:24"
592,aaaaaaaa,NSW,aaaa@gmail.com,single,0,home,0,,500,week,0,week,5000,month,0,,100,10000,1500,350000,350000,4.49,200000,200000,4.99,750000,2,5000,NaN,"I am Looking to upgrade my home in future",Media,NaN,,,0,NaN,NaN,NaN,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,949 - $45,874","Should interest rates rise by 1%, your total repayment will increase by $5,500 per year. If your interest rate rises by 2%, your repayment will increase by $11,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $10,087 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2018-09-25,"2018-09-25 13:39:05"
591,testin12345,ACT,redomsyed@hotmail.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,5000,fortnight,0,,0,0,7500,0,0,4.49,0,0,4.99,0,0,0,NaN,,,NaN,,,0,NaN,NaN,NaN,"Based on your financial information, we estimate that your risk position requires a buffer size of $NaN - $NaN","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2018-09-25,"2018-09-25 13:34:56"
590,testin12345,ACT,redomsyed@hotmail.com,single,0,"Other(Living Rent Free)",0,,0,week,0,week,5000,annual,0,,0,0,10000,0,0,4.49,0,0,4.99,0,0,0,NaN,,,NaN,,,0,NaN,NaN,NaN,"Based on your financial information, we estimate that your risk position requires a buffer size of $NaN - $NaN","Should interest rates rise by 1%, your total repayment will increase by $0 per year. If your interest rate rises by 2%, your repayment will increase by $0 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $0 per year.","Rental income makes up a large portion of your income. It is worth having appropraite landlords insurance in place to protect this income.","Your Loan to Value Ratio is high. It may be worth paying down debt over time to reduce this LVR below 80%. Having an LVR below 80% keeps your funding options more flexible and reduces your risk profile.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2018-09-25,"2018-09-25 13:32:51"
589,12222,WA,157454@fdgfdd.fgh,single,0,home,0,,500,week,0,week,5000,month,0,,100,10000,1500,350000,350000,4.49,200000,200000,4.99,750000,2,5000,28225,"I am a First Home Buyer",Facebook,3214,,,57865,35,19,46,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,949 - $45,874","Should interest rates rise by 1%, your total repayment will increase by $5,500 per year. If your interest rate rises by 2%, your repayment will increase by $11,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $10,087 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 7 Months",,"Your risk position is HEALTHY.",,0,1,2018-09-25,"2018-09-25 13:25:39"
588,12212121,SA,12121@gfgg.jkk,single,0,home,0,,500,week,0,week,5000,month,0,,100,10000,1500,350000,350000,4.49,200000,200000,4.99,750000,2,5000,27939,"I am Looking to upgrade my home in future","Property Chat",2928,,,52717,35,19,46,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,949 - $45,874","Should interest rates rise by 1%, your total repayment will increase by $5,500 per year. If your interest rate rises by 2%, your repayment will increase by $11,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $10,087 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","2Years / 3 Months",,"Your risk position is HEALTHY.",,0,1,2018-09-25,"2018-09-25 13:25:30"
587,test123,ACT,test@gmail.com,single,0,home,0,,500,week,0,week,5000,month,0,,100,10000,1500,350000,350000,4.49,200000,200000,4.99,750000,2,5000,NaN,"I am looking to review my situation","Property Chat",NaN,,,0,NaN,NaN,NaN,"Based on your financial information, we estimate that your risk position requires a buffer size of $17,949 - $45,874","Should interest rates rise by 1%, your total repayment will increase by $5,500 per year. If your interest rate rises by 2%, your repayment will increase by $11,000 per year.","If your interest only loans switch to principle and interest repayments, your repayment will rise by $10,087 per year.","Your income is diversified. Rental income makes up less than 50% of your total income. This is ideal as it means your risk is lower.","Your Loan to Value Ratio is at or below 80%. This means refinance options may be on the table and you may be able to access lower rates. This also allows you to sell your properties if required as a last resort.","NaNYears / NaN Months",,"Your risk position could be improved",,0,0,2018-09-25,"2018-09-25 13:15:42"
586,test123,ACT,test@gmail.com,single,0,home,0,,500,week,0,week,5000,month,0,,100,10000,1500,350000,350000,4.49,200000,200000,4.99,750000,2,5000,NaN,"I am looking to review my situation","Property Chat",NaN,,,0,NaN,NaN,NaN,"Based on your fi