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  1. R

    Refinancing 101

    Superfluous CRA enquires Reply: 1.1.1.1.1.2.1.1 From: Rolf Latham Hi TW You did well. Normally the reponse as to why a loan is declined is: "Coz we dont wanna " and we hold the gold - so go away, but if ever you become good enough for us please do come back to us. ta Rolf
  2. R

    Refinancing 101

    Superfluous CRA enquires Reply: 1.1.1.1.1.2 From: Rolf Latham Hi Glenn Much depends on the borrowers knowledge of what is actually on his or her file, and how this is then presented to a lender. If its a line ball case due to serviceability or other issues then its make or break. Activity...
  3. R

    Refinancing 101

    Reply: 1 From: Rolf Latham Hi Rae Get onto a broker to sort this out for you. Easy to do yourself if local, but a broker can do advance things for you if the deal is with ANZ, like preorder vals to save superfluous CRAA enquries. If you want to do it yourself its simple. Complete 22 page...
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