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Thanks for the tip Peter. Might have to buy you a beer or two if I make it on Tuesday night for all the valuable information you have given me over the past year!

It was my understanding that a broker/lender must ask the question "Do you believe your financial situation will change in the near future". If the borrower does disclose this and as per the question then they simply under the NCCP (I think that's the one:p) cannot proceed with the loan...