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if the banks did that they would destory their security base

2006 to Sep 2010 is nearly 5 years. the market is bouncing along the bottom and will eventually start to rise, so at this stage of the cycle I would say no, not worried

:confused: I give up... did you forget to return your library books?

we were actually dealing with the top commercial division of a big 4 bank. unfortunately we weren't big enough to make them change their new lending policies, not many guys are. how big are the sites you are doing? this one we were looking for was a $10m lend... at that level we just big enough...

where ya been BC? residential/comm build and sell - thumbs down resi BnD for personal - if you have had a good job for 15 years, have a 50% deposit and can get your mum to go gaurantor

frustrating as i deal in series of capital movements, not regualr income movements (even tho the ATO deem my capital movements as income) - yet I believe these once a year events on your BAS wouldnt qualify as income for the bank?

i dont get this bas lo doc thing - wouldnt you just go full doc if you had all that? or is that the point, effectively there is no lo doc?

one can only hope - it is too difficult to pretty much do anythign at the moment, even no brainer deals seem to fall outside policy guidelines