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Hi Ajax Cant disagree a trail is nice to have. But they're getting cut quite nicely by most lenders in the coming financial year (if they havent already) from 0 to 50% Some staff get bonuses which is also a nice thing. A downside is the trail can be clawed back (repaid to the lender) along...

Taking a leaf from the 'guru's' notebook - an email to the bank never hurts... noting you may be limited by borrowings if they are hitting over 2.5M - but more for the 'lower amounts' start at the bottom (I edited out a few peoples names and phone numbers for obvious reasons) ------ Hi...

and lets not confuse abn registration with gst registration either. some lenders require a 2 year abn and 2 yr gst others accept less than 2 years for both. So I'd save the throwing stones for another day

Boods Dunno... I'm doing low docs for abns < 2 yrs at cba all the time at 82%.

This sounds kinda familiar... why wouldnt you do an 80% ld with cba then refi in 8 months when the reno is done. only other thought off the top of my head is that you have to watch your overexposure to cba as they have the all monies clauses is their loan docs as well.