i know that article is US specific but i'm just going through...

i know that article is US specific but i'm just going through the process of refinancing here and the banks are being extremely difficult at the moment.  not recognising certain types of income which unfortunately makes up about 50% of my income.  I reckon if i did this refinance before the royal commission i could have gotten about 3-4 times more money.  It probably is a good thing but frustrating nonetheless especially since i believe i would easily fall into the good/non risky client category i would have thought.  Surely this will have flow on effects down the track.