Hi guys, Anyone facing the same scenario & can help? Currently i'm working full time, my partner just started business in Sep 2011 - self-employed. We had paid the $2,000 option to purchase & selected a 4room unit. (sales of balance) At the same time, we applied for HLE, we will need to loan approx. $400k. Results of HLE is that we can only loan $290k. It's far from what we need. We would like to appeal but do not know how. Our total declared pay is $6k. My partner IRAS is only till 2010. for 2011, we have not submitted. As his business only started in Sep, docs we have to support his declared pay is very limited. Anyone can advice how to write the appeal letter? need help! Thanks in advance!