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My subdivision is actually DONE :D So, if I fax the CBA and give them $121, I have a completely debt-free, unencumbered title to a block of land I can wave at the ANZ as a downpayment :D Or just keep with the CBA. Not quite enough to get us over the 60% mark though, land is worth loosely...

The broker our builder referred us to pointed us at the ANZ lo-doc 60%, has the same interest rates as regular loans. We're short on cash for a deposit so have been advised to pull about $20-30k from our current house if we want a completely stand-alone loan with a different bank. I'm still a...