Hi Former Somersoft and new PC members, I am desperate for some help. Purchased an investment property in Balmain on 27th July. Took my application material to a mortgage choice broker (not from this forum) as it was a very simple application (no other debts, liabilities or properties, no defaults or recent credit applications, PAYG income gross $170k last financial year, stable FT employment with NSW Health). Broker submitted my application with Westpac for 80% on 29th July. Since then its been nothing but hassles and delays. Two weeks of asking for more and more information about salary packaging and how it works and what it involves and more letters from employers about it etc etc Today he has come back to tell me they won't accept the salary packaging as income at all!! Salary Packaging is a common benefit available to anyone in NSW Health which lifts our tax free threshold to $28k each year. Are there any brokers out there who have experience presenting a deal with salary packaging to lenders who can help me? My broker wants me to submit to someone else but I am not going further with him- I need an experienced broker who can get this deal over the line with Westpac or someone else.