As per the above comments sounds like there'd be multiple options for you.  To be honest surprised Suncorp couldn't make it work as is, especially if your company car was taken into account (although getting branch staff who don't know what their doing which is 95% of them it doesn't surprise me that much).

Another variable to consider above those mentioned by Jamie and Richard is are undertaking any commercial risk.  If you're paying for outgoings/materials (industry dependant) you're more likely to be viewed as self-employed.  If you invoice the contracting company on a regular basis (and even better if they withhold tax before paying you) you're…[Read more]

Have had a situation occur recently where a full valuation was done on a property (not VIC) with one lender which killed the deal.  Managed to get a modelled estimate with ANZ which ended up being $100k more than the valuers report.  I'd add that whilst generally a refinance involving LMI generally involves a full valuation I've had a few at the l…[Read more]

casanovawa wrote:
Does a 95% LVR for $350,000 require $17,500deposit??  Ideally i would like to find some place that i could bargain down to $330,000, but i like the flexibility to be able to go up a little if i have too…

Correct, that's the bare minimum although you're also going to have to work out how you're going to pay for closing costs…[Read more]

casanovawa wrote:
Thanks Spiro, yeah there definitely is that factor of a broker being able to give me info on the whole range of what is available out there…  Is the industry pretty good these days in terms of them not directing you to loan products that THEY benefit out of so you will get the unvarnished truth?  

Obviously biased but the WA…[Read more]