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Thanks for the responses, Bradsdad, he paid his portion of the deposit for the land settlement, the bank hasnt started funding the construction yet, as they need to see he has made his contribution. Rolf, indeed, thats the advice Ive given him (to clear up the credit report). He did...

The builder I work for has a client who had great dificulty getting a loan. He has about 30 credit enquiries made in his name (he says it wasnt him) when he first came to australia. He got the deal done, much to my surprise at 80% and settled the land, and has approval for the construction...