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CBA if it's your own home and you're an existing client and you've got a spotless record and an excellent savings record and they'll only capitalize to 97% and you've got a credit report with not more than 3 enquiries in the last year (doesn't matter if it's clear) and, and, and. As mentioned...

I'd be very careful about the advice you've gotten from the bank. Mortgage insurers are very reluctant to underwrite 95% loans and they're not keen on exposure of $1M on a single property either. I'm not saying it can't be done, but the odds are seriously stacked against you. Make sure...