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dtraeger2k, Yes, something did 'change' in my circumstances. I 'changed' banks! Also discovered lo-doc loans; ANZ breakfree package @ 6.47% on anything over 250,000, although only 60% LVR. silene101

12 months ago NAB told me "NO MORE MONEY!". Since then I bought 4 more IP'S! Don't take no for an answer. When one bank serves it's purpose, move on. Find a good broker like I did,the less dealing with bank goons, the better! silene101