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The feeling of caution comes from how long it is taking, for me having to explain basic things to loan approval officers like how salary sacrificing works and for their regular requests for me to provide more evidence to support assets that I hold that are so small that they would not make any...

I've been waiting two weeks to get approval for a low LVR loan on the basis of a very favourable financial situation (stable, well paying job, neglible other liabilities, great credit history and enough cash flow to service a loan twice the size even at 10% interest rate) and the bank is being...