Homepath was a nightmare to deal with!!!!!!!!!!! Never again. Ended up costing us extra $ cos they were late on the finance approval and the builders had to hike their price. Seems like the credit officers there were going through everything by the book. Even if you deal directly with the big 4 - probably still same issues. Find a broker to do all that chasing down for you. Trick is to find one when you first start out that will consistently give you the time of day. Most probably run on the premise that 20% of their clients will give them 80% of their profits so unfortunately when their really busy, guess who they'll attend to first? Good luck.