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ING will waive the ing charge if it's a new loan/refin or new purchase currently...but for top up on existing loans they will charge from my recent exp anyway.

Full val most of the time...and bank pays. P.s ING you pay. But another banks- NAB/macq/amp etc... bank pays.

^ This is where a high volume ING broker OR a broker who has a good relationship with their BDM will come in.