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1. Enjoy what you have. 2. Pay LMI with a a higher LVR. 3. Save more money. 4. Consider selling and buying an established house.. it could be cheaper even with stamp duty. cheers RightValue PS: If you choose 1 or 2 .. get used to no sex from the wife due to her not being happy...

You say the property is worth $530 now. How much will the property be worth with the new house on it? What will be the cost of constructing the new place? Basically the lender gets an "on completion" valuation done. say on completion the property will be worth $600k and you are...