Hi folks, I am in the process of buying a house in Melbourne together with my partner, with her as owner and me as servicing guarantor. She is an Australian citizen and I am a US citizen on a partner visa, which is pending permanency. Both of us are living overseas in, where I work for a foreign organization and she works for the Australian government. I get paid in USD, while she gets paid in AUD. I have also have a substantial shares portfolio in the USA, and we had planned to use earned dividends to help service our loan. Today I made an inquiry with CBA and received a letter as follows: **** In your circumstances, unfortunately due to recent regulatory and bank changes, there have been recent lending restrictions applied on non-residents, as well as using foreign income (US Share Dividends). For applications where a non-resident is involved, it does mean the maximum loan to value ratio the bank can lend is 70%, down from the previous 80% allowable. Also we are not able to accept foreign income for specified temporary residents of Australia (ie if you were to earn an income in any currency other than AUD, given you’re not a PR yet). Another restriction is we’re not able to use dividends received from a share portfolio that is not held within Australia. Previously it could be considered on a case by case basis for very strong applications, however they have now advised it’s not eligible income for servicing use, in any circumstance. Unfortunately what this means is it would need to pass our servicing requirements solely based on your partner's income if that’s being earned in AUD. ***** This is extremely unfortunate for us, and appears like it will disrupt our plans in a big way. Are all banks operating in this way now, or are some more favorable towards foreign income, including from foreign shares? Thanks in advance for your help.