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I expect LOC will also have a slightly detrimental aspect to score vs term loan due to the evergreen IO term of the EM Type 2 product. We had CBA deal temporarily bounce due to a metro postcode which hs a higher than median LMI default rate ....................... clearly score isnt as...

that onging credit relationship thing shouldnt affect score. Almost all credit providers do it. id suggest thats a convenient excuse from Homeside or WBC im guessing Typically with quite a few lenders these days "cash out" is a majorred flag to the scoring boz