So as it goes I have a couple of home loans all is good no dramas there. The problem lies with my other half, we took on another loan for a build in December last year no worries got it cleared and through without issue. Come today we were just given handover on the build last Friday, went straight back to our broker on Monday to free up some equity ($18000 there's plenty there) just to finish up the build, driveways, flooring, landscaping etc. So today broker calls up to tell us no can do, black mark against her from 2012 for a loan or something. Ummm........ we just borrowed $180k just over 6 months ago with no word of this. Added to the fact we had our first kid in dec '11 so '12 was spent doing anything but taking out loans. Ever heard of something like this happening before? Cant understand why our original loan was approved if this was the case. We are still waiting on a credit report for her to see exactly what's going on but Friday arvo was the worst time to find out. She is actually rather upset at the moment as we had big plans for this year which would have required the borrowing power of both of us.