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So if I understand correctly, we would need to wait at least 12 months before being able to obtain some finance for purchase....at loaded rates or 2 years with tax returns.....that's a long wait:(

Thank you all. Michael, on that product is the risk fee a lot higher than the LMI? How much higher is the rate if only able to supply letter from accountant? If its a joint application to support the serviceability of the loan at what point down the track can you apply for a full doc...

Hi to all the expert brokers:) Planning ahead for next deal and need some advice/info please: Joint application PAYG together with self employed (less than 2 years) so require a lo doc loan for an 80% LVR. (PAYG income not enough as a standalone application). I believe there are a...