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fair enough. I'd still ask Rolf's opinion before going to the bank directly. I'm not sure how much of an old fart he is, but from his posts he knows his stuff in relation to investment loans, policy and structure. And from your theories on owner building and 95% loans etc, I think you will...

Why are you bailing on your current broker BTW?

any suggestions? Use a broker. ROlf is good.

You probably have a better shot at high LVR with an O/O loan than investment. If your a FHB buckle up and enjoy the ride, its bumpy.

nuy it, live in it, as is. Paint it, new carpets, do what you can. If the market is with you and you have presented it well, you might be able to squeeze a little more on a new val to do some of the major stuff. Perhaps after living with the problem for a while you will find a way to do it...

owner builder is not determined by living in the property. Just get a fixed price building contract for the work, what you may have saved being owner builder is irrelevant if you cant secure owner builder finance....