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This is bread and butter stuff for any broker - Jaime who has responded to you can sort this out quick smart.

They should be able to tell you so you may need to do the whole "put me onto your manager" line. I strongly recommend you find out why it has been declined. A decline at 80% is pretty rare so there must be something thats not right. I recommend ascertaining a copy of your credit file...

It could be credit scoring or something very specific however at an 80% LVR it is unusual that it would be credit scoring. You should really find out what the issue is (they should be able to tell you) so you can combat this for the next application if required. You may also need to use a...