Broker complaint dismissed

According to the dispute resolution service, a home loan client named Christina borrowed $950,000 to buy a family home while on ACC and income protection payments from her insurer. 

The client's mortgage broker assured the lender that Christina would soon return to work, and presented accounts to show she could "easily" afford her payments.

After making the first three payments on her home loan, Christina had a second accident. Neither her insurer nor ACC accepted her claim for the second injury.

The client then phoned her lender to inform them that her mother was unwell overseas, and she would need to leave the country. She requested a three month deferral, with the bank negotiating that down to one month.