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At a 90% lend in the current climate hate to say your LMI waiver request is a big ask.

Yes your statement about redraw is totally correct. Why wouldnt you take a 90% lvr or higher and deposit the balance into a 100% offset account from day 1. Current rate with free offset around 5.04% so not much difference even if you do have $375 / year in fees. When you purchase the...