Thanks Richard.

I rang up RAMS just then, they still accept 100% loan. However, I am not too sure about their loan package. Do they offer an offset account and discount interest rate?

BTW I forgot to mention, I have my parent's property as a guarantor. However, they still under finance with Comm Bank. Still owing around 45K.

My loan application to Comm Bank has been declined because they won't accept my parent as guarantor due to their old age? Which it doesn't make any sense.

Is there any bank that accept a property with another lender as security.

Many thanks.