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Thank you to everyone here for their wonderful advice on low/no docs and possible probation periods. I'm still resigned to going to the public service as I will be able to use a safety net income (which I can hopefully whittle down to only 3 days a week asap) so I can continue to work towards...

I have already been to my broker (who is quite well known to some of you) and have been advised "get a job and wait the prob period" So, no money for little savanna until she is gainfully employed (despite having 50% equity in one property and about 40% in the other and owning a cheap rural one...

So, if I had an ABN for at least 12 months (over 5 years actually) , I could get a 60% LVR at 6%...count me in. I have been getting no docs in the past but have been trying to get a permanent job so I could borrow again....I've been told no borrowings till I'm off the probation period in a...