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Just like sometimes brokers do the wrong thing. Could tell stories of brokers doing the wrong thing to. As for second comment, what's your point? By suggesting multiple pre-approvals that wouldn't make sense. Stick to facts not generalised comments.

Jess maybe stick to talking facts. If no application is input there is no credit hit. Bankers can do servicing calculations without having to input applications.

Time to change broker/banker, takes minutes not months to work out what someone can borrow once you have all the info.

ROI should be calculated on full costs IMO so not 80% LVR but 100% + costs. As you need to account for the costs of funds, your deposit came from somewhere and could be earning you money. Just because you speak with a bank doesn't mean they're giving you pre-approval. It's not quiet as simple...