Hi guys, I’ve applied for a top up on an existing Bank of Melbourne IP loan, normally I use a broker but it’s a lot of work for them for a small amount so I’m going it alone this time. I submitted the app online and had an initial phone convo with the lending manager today, he said servicing was tight but we’re ok, and he’s happy with purpose and valuation. He’s sent through a list of docs he needs, and he wants 3 months of credit card statements and bank statements, plus we have to fill out a monthly expense spreadsheet. My nervousness is that I reckon our monthly spend is a fair way above HEM - not so much in the way of luxuries but just general family living costs, and if they’re using HEM for the initial servicing calc we could be cooked. Looking at what the broker submitted as living expenses for the initial loan setup last year based on his review of our statements, I think he may have accidentally on purpose understated some expenses so that it landed a little bit above HEM, ie groceries at $180/wk instead of $300. Just wondering what people’s recent experience with BoM/Westpac is here, are they being forensic with statements and should I pull the pin now rather than risk a decline, or run the gauntlet and see what happens?