My goal
Originally to buy an established 3 bedroom home - evolved into building a new home.
Land around $100,000 .... Build cost around $130,000 - $150,000.
Drafting & engineering will be free (work at an engineering office). Custom builder costs about $1000m2 FINISHED for a quality build (includes decent fit-out). House will be small but I'm ok with that.
Original Pre-approval
Home-seeker with CBA for $181,000. Had $15,000 savings and $21,000 FHOG.
After today....
Went to get pre-approval bumped up to $200,000. Was told all pre-approvals are being reprocessed, most likely mine will be cut back to $150,000. I now have $19,000 saved but FHOG is being cut down soon.
I REALLY don't want to buy established, as a lot of them are in pretty poor condition. I know I can afford more than CBA is saying I can.
Does anyone have suggestions of what I can do or where I can go to get more borrowing power?
(edited out half the story and left bullet points)