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I learned many years ago that the Banks are merely a tool to do your business with. I have no problem giving any Bank the @rse in the blink of an eye if they act like doinks and hinder my progress. There is no "relationship" or any of that BS - there is with the MB, but not the Bank.

You can borrow over 100% as long as the new loan on the new purchase doesn't exceed the lender's idea of what is required to avoid LMI. This means, the remainder of the funds can be from other equity (borrowed). We have used equity in our PPoR as deposits, and borrowed the rest from another...