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I find it quite odd the way re-financing with them works. I bought my house just under 2 years ago and want to change my loan from PI to IO and fix it, my parents are guarantor on the loan (owe $250k, bought the house off the plan for $275k) and they had their house valued for 400k when I got...

This is the issue I have with people trying to apply usual business accounting to banks to decide if they are being unfair. Banks really shouldn't be compared to other businesses because no other business gets to do what they do, and other businesses are risking their own money not...