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Thanks for all the good input - yeah this whole experience has turned me off nonbank lenders for a while at least

the lender finally found out and told me - undisclosed credit cards and HECS liabilities was the reason. Honest mistake (totally forgot about them) and wouldn't have been consequential to the deal, I'm wondering why Genworth didn't just ask me about these and I would've fully disclosed...

I'm probably a bit rent reliant - serviceability cleared but only just. Can you please elaborate on Active Credit File?

During my phone call with the lender, she made it clear that Genworth didnt provide any details to them nor will they to me. What else can I say in addition to the conversation I already had? Also what is a DUA? thank you

Interesting things on my credit files are: Many enquiries over the years from different lenders, each because I applied for a loan. I don't go ahead with all my applications, sometimes I withdraw the application, sometimes I accept another loan offer etc. No loan declines though. 6 years...

I recently applied for a 80% LVR loan from a nonbank lender (cheap rates) and after jumping through all the hoops, out of the blue one day I get an email saying "bad news, Genworth said no". I called to clarify and was told that while the lender's credit team was happy to go ahead, Genworth...