So, with things tightening up, I thought I’d put a call out to the group about tips to help get the loan and avoid being knocked back. I have one- don’t pay off debt with debt (perceived or not). I had a Flexi loan and credit card with one institution, and normal banking with another. They couldn’t explain why I could transfer funds to the loan, and it would clear the next business day, but for the credit card, it would take 3 days! So it was quicker to pay the loan and instantly pay the credit card... Turns out, Aussie doesn’t like that and wouldn’t proceed with refinancing our ppr! Our big bank did it without drama though. I want to buy again in 12 months though, so what to avoid between now and then to have a squeaky clean credit record.