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Well unless you get some cash out there's no point refinancing at 80% unless the rate differential is massive (which is possible given your loan amount/LVR). I would suggest perhaps a desktop valuation with another lender which may get you up to 85% as well but may be worth it if you can get a...

Perhaps investigate doing some revaluations - maybe you can move lenders without paying LMI?

Chris, Your situation seems pretty basic. Are your two Westpac loans cross collateralised? Did you ask Westpac recently about topping up to 85% LVR again?