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A decline per se isn't any worse than a plain pre approval enquiry Have a chat with your broker and take it from there Ta Rolf

Any of the bank west variable products support the policy. If you have had any pre approvals done with your existing needs, it's less likely you will qualify for this one, because the dead pre approvals will drag your credit score through the mud Ta Rolf

Although I don't like bwa much, their 95 + unlimited capped lmi can be a Good outcome for someone like you. It will allow you to take your limited savings and apply more of the cash to your non ded debt. I'd expect you'd need less than 20 k to complete ..... You will need a decent...