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90% low doc Hi boods, I had to look this up before responding, but you might want to have a peek at Rams. One reason for not having a ABN or GST is that the majority of your income is derived from property investment (supported by accountant letter). In this case, no ABN or GST registration...

Re Miss Muffitt, Just a point of clarification, I think the complaints about rate rises are towards RHG (formerly Rams). They have been steadily raising rates since January. Rams (backed by Westpac) has a low doc product for SE under 9% and has had few rises outside of the RBA. Online...

I agree with yo yo, stay variable if you can afford another couple of rate rises. If not, fix a majority of your loan for 2 to 3 years, and leave some variable to work with your offset account.