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In the case of the ANZ they were prepared to bend their rules but in both cases the respective Mortgage Insurers have their own criteria which is different to the bank. I find it incredible that both these banks arent aware of their own MI's criteria & have wasted my time filling out application...

Mortgage Insurance Yes both are crossed

I have 2 properties one with 2 houses on (950 sqm's zoned R50) & another with one house on (1543 sqm's zoned R30). I am currently with Commonwealth Bank (Lowdoc with borr's over 1 mill) & increasing my LVR from 60% to 80% in order to place the released equity with another bank for another...