Hi Dank78,Are you moving on to a similar job in same industry?  How long is the probation period for your new job?

RAMS fully owned by Westpac – Westpac funds are used – Even the Mortgage Docs Stipulate Westpac banking Corporation.

if the property sold and your credit is clear (other than the $230 default) then i don't see why they don't do it.  I recommend getting a credit check done http://www.mycreditfile.com.au.if it is what you think it is, perhaps try another lender, maybe RAMS etc

have you ever missed repayments (at least in the last 6 months) for any credit facility with the bank?

Hi David,Not sure why CBA and the likes are knocking you back for a $230 default – that is within their unwriting authority with the mortgage insurer.Is the default listed as paid?Are you self employed or PAYG?There must be some other reason as. Regards,Andrew