Thanks Richard,

appreciate your comments on the forum.. (not just my post  )

applicants have been employed for over the 3 year term, but their current property has had variation in values of $90,000.

by the time they received a satisfactory valuation, they had applied to 4 different banks. (1 or 2 declines due to vals, not 100% sure)

after speaking to the last credit officer, the answer is declined to to craa history/low credit score.

balance sheet looks okay though..

might go back to BDM for a please explain, but thinking of a path of least resistance…. Suncorp, Macquarie etc…

serviceability and repayment history okay, just a very busy craa sheet.

thanks again for your help!

Tim