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Paul, Sounds easy doesn't it. I took a wrap refinance to ANZ and NAB the other day. ANZ wanted to see the 5% saved deposit. Even though the chap I dealt with understood the equity built up it was bank policy that 5% deposit as genuine savings was needed. We just couldn't get around that...

There are some lenders who wil look at the time frames involved betwen the contract being signed and the settlement. They will also see the up to date payment schedule you provide to prove your client has serviced the loan then they simply do a loan based on the new valuation. I have found a...