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Well TOny and Emma to reduce that perceived risk a little u could use a broker to chase the app though for u . An experienced broker ( and I know there are lots in Melb that ppst here) can make sure that its properly put together with the max chance of approval. One thing u have to...

CBA is neither PC sensitive, nor overly fussy on the zoning if its not too large, but you alearyd knew that from ur enquiry with them tarolf