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Hi dammit Redrawable pre-payments on a personal loan can be taken as Genuine Savings, so no need to move the funds Investment loans take potential rent into account, so may help with serviceability, however, whether investment or owner occupied, you still have to show Funds to Complete at...

G'dammit You have done well to save $14,500, that is quite an achievment! Your calculations are close - don't forget the Transfer Registration Fee of $414 and Mortgage Registration Fee of $125 - and I guess you really do need the building and pest inspections if you are in a known termite...