Hi everyone, Really need your thoughts and suggestions here urgently. Found an investment property I'm very keen on. Gave CBA the details and got pre approval for it easily. I signed the contract and sent back to CBA to get unconditional sorted. They came back saying it's needs a valuation done on it (which I expected). No problem, everything moving forward nicely..... We exchanged contracts today, putting down the 0.25% holding fee only to get a call from CBA saying: "Due to there being 5 dwellings on the title it will need to be referred to a business banker." I'm gutted. My residential mortgage man at CBA couldn't shed any light on what this means to me as an investor bit says that the finance process will have to start again. If this is the case then my 5 day cooling off period won't be long enough. Can anyone give me any advice at all? Some of my burning questions: - is there anything I can say to CBA to make them rethink keeping it as residential. Any alternative approach I can take with them? It's one block which has two main buildings, separated into 5 units. It's not Strata divided either. - if the only way to go is business, what does that mean? Higher rates? At the moment I'm with the wealth package and get a decent discount on residential. Will I still get the discount? I also wanted an offset account running alongside the home loan. Can i still get an offset account with business? I look forward to hearing your answers and any further suggestions you have. Many thanks.