This is why my autolend has been turned off all 2018. The norm is to expect that housing will take 25%+ of income, although this is a very rough measure. Add 20% of after tax income for this debt and the large topup after only 6 months and I wouldn't touch it with your bargepole. Let the institutions take a portfolio approach - we individuals need to steer clear of these.
While you're at it have a look at 144078 - has just moved house with a new mortgage and needs to refinance $40k of non mortgage debt and is willing to pay a $4000 fee to protect him/herself. I'll bet the bank didn't know all the details when it approved the house loan.