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Thats because in US lingo, that represents a donkey aka not smart, vs in Oz lingo sometimes its something else. ta rofl

Hiya Rachel Almost always ur fist stop should be be your existing lender for a val and a top up so to speak. if the result isnt waht u want, then look at options Im making some *** umptions here, but usually youd want your IP equity loan to be separate to the home loan......... ta rolf