Warnie will have more advice, in the interim, I suggest St...

Warnie will have more advice, in the interim, I suggest St George and Westpac do not want to lend....their books are full, so they provide higher rates so you will not go to them...and if that does not work they will look for other excuses to opt out
suggest you go with a reputable broker, who will source the best lender for you
I thinki CBA is the easiest and fairest....I got hooked into a loan with rams, their valuer dropped the value by a 100k's, down from the cba valuer a month earlier...totally unwarranted...out of whack with the market....but I achieved the end I required anyway....

there is one broker out there, who is associated with the master builders assoc....I have not dealt with them, but most of their clients are involved in developing and project building....you know the people the banks wont lend to unless massive incentive to the banks....
www.chocolatemoney.com.au