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I heard that this 90% lo-doc product being axed by the end of the month, any truth to that as couldn't see any info up on their website? What will be the highest LVR lo-doc product that RAMS will still be offering if the go stop the 90%?

Yes that does help thanks for that. I guess the point I was getting at is that discretionary trust deeds are normally worded to include the widest range of potential beneficiaries as possible. So if going by the trust deeds definition of beneficiary could easily be 20+ adults in some cases that...

Will do when the time is right! 1) Is the SE Pro Pack to 90%LVR available for hybrid trusts? If not I assume that normal discretionary trusts are suitable? 2) I notice in the lender guide it says: Do they still want the possible beneficiaries financials & guarantees even if it is a...

:eek: That does sound hefty! I have tried calling someone from RAMS to find out ballpark figures for the risk fee and the first excuse was he doesn't have that info and needs to wait for his boss and will call be back that arvo. Called him the next day and he was on another call and said...