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OP stated FHOG not req'd, and no stamps concessions in SA so they should be in the clear. :)

So do you know 100% if it's with credit assessment, or it's with LMI? Which lender is this? If the loan is put under a certain LVR, the loan isn't sent to LMI (usually 90%) solving a lot of issues. If credit assessment is asking this, it may be a case of withdrawing the application, loan...

The person who put this loan through obviously didn't think this one through. A cut and dry way to have made this work would be to put it through as an investment H&L. Fact is if you didn't have a secure role you could find in Adelaide, I'm sure you would remain in Melbourne and rent the...