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Agree with that Colin. Even in my line of work - assess situation and tell them what you plan to do. Dont leave it up to people because people are retards.

I identified at Westpac branch then scanned it and sent it to interstate broker. I can't see it affecting choice of lender?

Can also verify identity in other ways; I've done this for my own borrowings.

68k car loan and 30k credit card. FML. On the good debt side, you owe 770k on 880k worth of property (87.5%). Are they cross collaterised? What rents you getting on them? What are you doing for a PPOR? Renting at the moment? whats the next step for you? What are you actually trying to...