Hello I am just wanting to get some opinions. We are about apply for a 95% lvr +lmi owner occupied home loan with AMP and I am concerned about it passing Genworth. Details are as follows: purchase price $252000. 5% genuine savings. joint application with one person same employer over 3 year and other over 7 years. Address over 2 1/2 years. Current loans 80% lvr with amp owing $55000, car loan secured $6500, boat secured $3500. 2 x cc total $5900. Cc's are in one persons name with late payments over 2 1/2 years ago but nothing since. Combined gross income $100000 approx. Amp loan has excellent repayment history did have two direct debit bounce but more money transferred same day and not late payments. Also 1 enquiry with AMP on credit file only one persons file in last 3 years for an approved equity release. Property metro and meets criteria. What are the chances of it being approved? if not approved what could be done to change outcome.