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Based on my experience .. I agree with Rolf. It's nit just their credit scoring system that's stupid, either. Then they change policies mid loan app The ... Gee .. I'm starting again. I told my therapist I was over it and had moved on. <deep breathing>

If you're planning to deal with Westpac, you're about to learn a whole lot of new lessons on that subject. Good luck!

You put in your actual gross rental income.