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Ok Rolf, thankyou for the advice. I am hoping approval comes through... and we will certainly keep LVR under 80. Have a nice weekend.

Pre Approval through a broker now sorted. Very pleased, but still alot of work as I'm sure you are all aware. I have another question; out of interest, say I am starting a new job in 2 weeks (same industry, just a much better offer), will this affect our financing for any future properties...

Thanks for the advice. Have approached a broker, and I must say, wonderful. Very pleased. To reiterate this, the Broker called back numerous times today and replied to emails immediately. The Loan advisor at a 'big-4' bank didn't return my calls, nor could the 'advisor' I managed to get on...

Hi all, Earlier this year, my wife went into a bank and was given pre-approval. Both names were on the loan (mine included) even though I was not there. The terms of the loan haven't been dictated, but we were borrowing 95% - now we will be borrowing less than 75%. The only aperwork we...