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The only pre-approvals that are actually worth something are those that are assessed by credit - and if there's LMI involved, that credit assessor has authority to approve it. That way - the only remaining factor is the valuation. Any other pre-approval that isn't credit assessed is...

NAB (assuming it's NAB direct and not NAB broker) can be quite difficult to deal with. I wouldn't give up just yet. Firstly - get your broker to rope their BDM into this. They would have deemed that form of income suitable for the preapproval (assuming they bothered with an actual...