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Smick Couple of responses: We didn’t paid the LMI to ANZ as we got the professional package The Breakfree package doesnt make you exempt from LMI unless you are in a Medical related Profession and then only on your PPOR. The person we are dealing with from NAB actually works for NAB...

I agree with the guys I am unsure why you would want to jump out and refi away from Anz especially with those breakcosts, the LMI costs and the train of thought that you might sell one of the properties shortly. Also i have never had a problem in obtaining the actual val figure for any client...