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I have no other personal debt at all and l have a very good cash buffer, the bells are not tolling for me just yet. What l really want to do is get rid of the Mac loan its a No Doc. I would like to transfer it to another bank as a full doc loan but l dont have the income for the banks to do...

I wish you all the best higgins in getting back on track. I too have gone down the No-Doc path and with regrets. At the time l was sure l was doing the right thing. I also never in my wildest dreams believed that property prices would or could drop like they have. The ip is in a great...