No they won't... I applied for a loan / refinance a while back with state custodian or something look like a trojan guys head black and red company logo they won't even lend me 500k.
State custodian is a lender, not a broker. My understanding is they're quite conservative compared to most lenders.
Also they all of them do a credit check and I heard that's not good coz they log all those so then later when you do a application they will see all these credit checks and think this guy is dodger..
That's true, which is why you shouldn't shop around yourself and instead get decent advice from a broker.
I've been reluctant to comment on this thread because you've already had some excellent advice from the other brokers yet you're turning your finances into a train wreck. You've used the right language in your posts but from this post and others, it's very clear that your understanding of finance is very basic at best. Here's a few facts.
1. Cross collateralisation does not improve your servicability, nor does it get you better rates. It benefits the bank massively and there's only a handful of circumstances where it's to the borrowers advantage.
2. The CBA is a long way from the most generous lender for property investment. They certainly have their place, there are plenty of lenders who would be able to futher your investing.
3. If you have any desire to purchase more property in the forseable future, your existing loan structure is probably going to need to be completely refinance to other lenders to accomidate it. You're maxed out with the CBA, but you've structured the loans in such a way that you don't have any ability to get finance with another lender if you want to access any equity you've got (either now or in the future).
4. Your mobile banker is clearly giving you bad advice. The most likely reason why a broker becomes a mobile banker is because they weren't very good at being a broker.