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Went direct with RAMs, however insurance certificate had to state "westpac"

I think you need to go solo with this one RAMS/Westpac. Also, there are also conditions, we buy in Trust/Company and our accountant signs off on the income. There are other lenders with low doc products that also have conditions, not necessarily the same. You have nothing to lose by trying...

Phone RAMS and ask for low doc, could be a very different story, I would have thrown in the towel years ago if I let a little thing like this get in the way, just have to work harder, move on and find other options, there are always solutions just have to work it:)

There are a couple of threads under finance regarding tightening of finance. It will impact on everyone actually because lending criteria/serviceability will tighten, criteria for example for living expenses may change from $14K pa to $25K?? which will equate to more income required. I am not...

Here is an article regarding this http://www.smh.com.au/business/banking-and-finance/tighter-credit-to-dampen-housing-boom-20150526-gha4xu.html I think it will effect the market, however it will take time and it will certainly be difficult for those who LVR at 95%+, accessing equity will...

Smart move, take some money off the table, reduce debt and then move on to the next deal in a strong position. Good for you, good advice.:)

All the above signs of property fever, fear of missing the boat, some buy at peak because they need convincing that it is actually rising then they jump in.... ouch. Who knows what will happen, that is the problem, we are all just guessing. However, what do we know?? Syd property market has...