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Will see. They had confirmed I was qualified to the best rate they offer on the phone, but paperwork indicates otherwise. If >80% is indeed the category they put me in, I expect they'd ask for LMI, which is mentioned nowhere...

Thank you, Y-Man. That's something I haven't been paying attention to. I didn't know payslip is a must. I will trace my employer to it.

lol, they came back to me, 75% LVI, but give me the rate for 〉80%. Although I don't think I gonna proceed, I replied with an inquiry. I kind wanna find out it is because of their incompetence or dishonesty.

Hi Rolf, Sorry, what does fe stand for? Or you mean fee? In which case that's $220 valuation fee is paid upfront with loans.com.au. The upfront is more expensive than other lenders, but not a huge deal, I just count it as sunken cost for an inadvertent attempt. I had been with ANZ and...

Yeah, it's a lesson well learnt. That is another thread telling ubank not lend to properties with granny flat. Lenders should lay out their terms explicitly or it's material non-disclosure to consumer, I think we should entitled to know who's do and don't before any fee is charged.

Hi Guys, My personal experience. I currently have a sole home loan with Westpac and lodged an app to refinance to loans.com.au. The application was lodged mid-Sep, believe or not I have yet obtained a final approval. I'm in stable employment to a single employer for 5 years, the borrowing...