I could call CBA or any of the banks and tell them a story...and...

I could call CBA or any of the banks and tell them a story...
and they could tell me a story, in return

as in sure they will lend me a zillion bucks

it means zilch !

the difference is, in the nitty gritty, of actually
coming up with the proof of your income, and expenses,
your current committments, your net worth,
a
nd most importantly, your ability to service
the loan !!!!

and then, just when you thought that you had them,
and it was all hunky dory....
in fact you bragged to all and sundry, about how easy it was to fool the banks

their valuer comes back with a figure, hundreds of thousands of dollars below, your figure.....

reality hits the fan...

you have just proved you do not have
the cash to make up the difference
between the loan you were looking for, and the cash available to make up the difference

it is at this stage, when they put
the monkey back onto your back

that you realise...you have just been had

that kind friendly voice, that only days ago,
was offering to lend you a zillion dollars

will ask you, if you want to go ahead, and make
the application.....???..
your answer, is you will think about it for
a couple of days....
the result is....
the bank has not declined your loan application
they are off the hook

but now, when friends ask about the big deal,
and how easy it is to fool the bankers....
you look away, make some excuse...slink back into
the real world