My broker submitted a loan for me a few weeks back, with a lender who had already tightened their servicing calculators. We had discussions that things had changed and she provided me with the new borrowing capacity for that lender. We went ahead, and today after playing circus games for a few weeks I've been declined due to not servicing. Turns out she wasn't aware how servicing had changed in terms of adding our liabilities to the calculator and now we have no capacity at all with that lender. I know this sounds like a lesson for dummies, but perhaps in this climate we need to ask the broker to check with their BDM for confirmation on servicing before they submit a loan. As an ex broker I tend not to rely on the broker's word as gospel and ask many questions but even this didn't stop me from being stung. BTW it's not a broker from here. From what I've read on here to date you guys are very much on top of things.