Hi Josh
Yes we are known as friendly bunch and don't bite real bad.
The product is fairly new and certainly has limitations but i must admit we are doing more and more of this type of business for our clients.
Your equity position would need reviewing as that could be an issue. Tax refunds are not acceptable savings in their own right so might need to tinker a little.
As has been mentioned previously buying in Trust will certainly not increase your borrowing capacity.
Cheers
Yours in Finance
Richard Taylor | Australia's leading private lender