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I just got off the phone with a particularly "detail oriented" credit assessor. I feel your pain.

There's some fairly strict legislation around properly identifying people and it goes hand in hand with fraud prevention. Some lenders take this to the extra degree, but it's strange that NAB pinged you for having a payslip without your middle name on it (can't remember the last time I say a...

5 yrs I/O is standard practice for NAB. It's usually fairly straight forward to renew for another 5 years. If nothing else, it's a good opportunity to review the loan.