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120K with the dragon (St George)

I concur and had a "word" to the BOQ BDM about this the other day :)

The BOQ calculator is a shocker when it come to serviceability and is akin to ANZ from my experience to date. They have a niche in the 95%+ full cap of LMI that suits some.

Thats almost humerous as the majority of CEOs have an accounting background. Bank logic at play :rolleyes:

I believe that has been addressed and no longer industry specific, at least with St George it has.

Westpac and St George policywise are almost identical.

Done a few ot those with St George. Was very straighforward and includes occupations others do not.

If a bank can xcoll they will everytime and so will the majority of brokers. Accept for Advantedge white label who dont allow xcoll! My pet peeve is banks saying "get accredited and distribute our products, but not these ones".

That thought crossed my mind (no pun intended). Im still skeptical they will go to 95% standalone. I will check with the BDM on Monday and confirm.

Never heard of an lmi waiver above 90% so good outcome.