CSL, a decent deposit and/or increase in wage I would guess. Has your ability to service loans imporved since the last one?
Then of course you can always get a parent to guarantor your loan, if you have that option. Mine do so for me.
So long as my income can cover the repayments, the bank is more then happy to chat to me, regardless of what equity the two I bought last year have built up.
For me at the moment it is as simple as every $10k more I earn, I can buy another $200k of property, or there abouts.
