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On the other hand The realist in me says if you were my client I would encourage you to borrow the cash capacity while you dont need it. Its just for me the sign of concern of the fees vs the capacity to have access to the money is higher, so that would define that your personal...

Sure ask the lender whatever you like in regard of fees etc, certainly the LMI thing, if you only take the loan to 80 % then no lmi is payable usually Like with all things, without a better idea of what values are, if you have previously paid LMI etc its hard to comment Seems like you...