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  1. Redom

    Agency employment and home loan?

    Yep - that'd be the first place i'd call in your situation.
  2. Redom

    Agency employment and home loan?

    Gaurantors generally dont improve your serviceability, they can however reduce your deposit requirements and reduce your LMI cost. Only real servicing gaurantee is from ANZ i think and thats only partial (60% servicing must come from you) and his parents need to be on really high incomes (250k+).
  3. Redom

    Agency employment and home loan?

    Doesnt sound like a problem that cant easily be overcome. You'll just need to pick a lender whose got more flexible employment policy. When your in LMI territory, try the lenders with some flexibility to go outside stated LMI policy. The insurers stated policy is generally the 12 months...
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