Good luck!!!!

My H told me the other day that all bank loans are approved by computers these days. Purely numbers and no bank manager sway... not sure if that's true though.

I'm pretty sure no-one ever asked for my HECS debt details. It's not like it's a real debt that you have to pay off outside of paying extra tax.

I've heard it looks bad on your credit rating to apply for too many loans and be declined so be wary of applying if the bank manager doesn't think you'll be approved. Have you talked to a mortgage broker? We had a guy from mortgage choice come and chat to us at home (free) and he was awesome. Answered all our dumb questionsabout how loans work and helped us find the right bank to apply with for waht we wanted.