My best mate applied to Harmoney for a loan of approx11K.
3/4's of the way throug the Sign Up the Internet hung up and the attaching the Financial Documents failed.
However he received an Email form Harmoney saying ALL was approved ( Remember that Financial verifications were Not completed )
Then just 2 hours later ( aftr the initial application ) he received a 2nd Email from Harmomey saying he had been approved to borrow more than he had originally requested...
Financial were never resolved. In the end he got Mortgage Top up Finance from ANZ.
I'm sure this is going on.....