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Absolutely right. Thanks again for all your thoughts. I'm on it.

Also, what is the difference between residential loan and non residential loan? Rates? Fees? Why will one bank offer it and the other not? Thanks?

Thanks you guys. Really appreciate you're feedback. Will look into it further around those options. Rolf: not sure I understand what you mean by my credit file? What is our and hope we'll or be affected? Thanks again you have been very helpful.

Hi all, we recently put an offer in on an IP that got accepted. It needs some work on it so we negotiated a 20k reduction in the asking price. Bank A gave us pre approval for 90% loan. Bank A went to value it and the valuer came back saying he'd noted that work needs to be done on the...