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As far as I've been told by policy and procedure it is always the case no matter you are staff or normal walk ins. As I said the reason why St George can do it because they have a different procedure when switching from P/I to I/O compare to Westpac.

Also just want to clarify I'm not trying to have a dig in "who knows more" but to point out it is do-able but you're not supposed to. ;)

Well any lenders in St George will need to advise their customer if they do 90% they need to do P&I, and when they submit the loan it has to be P&I also. It is just a different policy procedure between Westpac and St George that is allowing St George to change the loan structure back to I/O once...

Correct :cool: I used to have my loans with St George doing 90% I/O, but that's not something that supposed to happen and try not to promote this glitch too much otherwise they might change the process, I know how to do it and how it's been done but I'm not going to share it :p

LOL so are you ANZ or Westpac? Westpac policy is the same, 90% LVR without LMI, but if you are doing 90% you need to do P&I repayment, you can do I/O if you do 85% or below.