In particular we focus on getting the loan structure right the first time, choosing which lenders to use in the right order (yes this is important) and finally getting our clients the best deal possible.
To calculate net monthly surplus: take all after-tax monthly income - monthly living expenses and - total monthly commitments to arrive at either a surplus or negative figure.
For example, say you are paid $5000 / month and your living expenses are $3000 / month and your existing and new loan repayments are $1500 / month you would have a net monthly surplus of $500.
