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LOC or % only? Have asked repeatedly and been knocked back, this reply after your posting. The way my applications are assessed - I can use cash bond income but have the loan PIF over the remaining term of the CB as per our previous discussions. Westpac

Thanks to this post I have increased my % discount from 0.7% to 0.85%. Small but welcome - I'm with Westpac and have alwasy found them to be good although their policy in regards to cash bonds/annuities is a pain!