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commercial reality will generally make such things less likely. reality is that a large lender can do that rate ris thing just as easily as a small one can . Really small lender may have more exposure to funding sources that may fluctuate ta rolf

meaning ? please expand on your view of that ta rolf

For about another 20 days....... Ta Rolf

Resi is largely funded by NAB via advantedge so no go there . Wide bay recenlty rebranded as Auswide Bank I think, and I expect they will have the same issues the balance are lender that you really dont want on your CRAA (liberty and pepper esp, since they are seen as lenders of last resort)...

ABL will last approx 2 to 3 weeks t best so get those loans in, bit of a personal pity thing, they were one of the first I wrote loans for back in the late 90s Genworth and QBE are pretty much hopeless ( ie decline for a first response) as direct insurers for anyone with a decent portfolio...

there are some policy and vals methodology differences where the real hurt will come middle term is the smaller lenders that had niche being excluded, because they dont have the other means of income the larger lenders do. I guess the ACCC isnt going to sanction APRA : ) ta rolf

decent chateu le cardboard says 7.25 across new and existing and OFI it will be .............or equivalent ( as in the case of WBC eg that use other loading factors to come up with a similar result) ta rolf

collateral damage Unintended consequences....................from a poorly targetted approach, but its simpler to do its this way 85 % of Australian borrowerswont be ouch by these changes in the short term. this too will pass, but for quite a few its not hurting just in 12 mths time...

because thats the only real way they can appease the dragon further. Dumb to make it NSW v a bunch of postcodes that have the growth issues.......... ce la vie ta rolf

CBAs turn on likely further tightening re serviceability is very likely yet to come. Lets also be mindful that Bankwest has played a similar game to ING et al, yet BWA isnt just owned by CBA, I believe they share the same licence...... Rumour suggest that APRA wont have a rogue foster...

above 80 ? that wont be easy, nor cheap but it is possible if you can get ING to agree to a deed of prio ta rolf

And even before the pushy regulators credit score above 90 wasn't the best Ta Rolf

I'd suggest the same as I would if a broker was suggesting same Before you waste ur credit file,get em the prove he Capacity to service You either do or you don't Case by case is rare or pc talk for "wishful thinking" Ta Rolf

the when how and where and when will change a little more over the next few weeks, with APRAs apparent idealogy of servicing "equialisation" Certainly from an approval Success basis, ABL and WBC cant be compared at > 80 % since WBC has a DUA for their LMI, and ABL does not. WBC was always...

When would NOW be a good time.................... ta rolf

dont ever rely on any lender navigating the moral hazard in the most appropriate way. Im guessing you are right, but the one I was fed today about existing clients of one lender being stuck and why is quite interesting ta rolf

Until they get stomped on by the competition police as well :) ta rolf

anz were never really a target anyway with their lousy servicing ta rolf

no changes that I am aware of as at 7.30 chat with credit fella on a couple of deals. insert 100 % of rent as per normal However, there is noise on the existing liabs being keyed at 7.4 PI over 25 years, effectively bringing NAB into line with Suncorp ta rolf

Doesnt surprise me that bankwest still havent learnt what "moral hazard" means. ta rolf