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Bugger I know u cant do much about it now, but for future warnings for others Never assume ur lender will do anything, especially where u have been with them for a long time You are only ever as good as your last repayment, or in this case your last valuation and their current...

was LMI paid on the LOC to 80 % ? If yes, then its possible that the whole expsoure is covered by LMI depending on how old the loans are. whats the total loan exposure and the amount of LMI paid ? Common yes, you may have legs on this though ta rolf