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Hiya ] Obviously your loan is at 80 % or less, u wont ever require an loc and from memory offset doesnt work too well either, theough they may have fixed that in biz banking if you are after a fixed rate or a bog basic IO loan the Biz bank at 80 % lvr wbc is ok ta rolf

Also, if u need an LVR of more than 80 % co loans arent insurable at wesuck ta rolf