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Hiya Mortza I dont know if you are a round or a triangular peg :) Seriously, there may be an option for a 95 % lend, depending on a pile of things. There arent many lenders that will do them for a start. The LMI providers look for many things such as genuine savings Property...

LMI is depreciable over 5 years ior the term of the loan if less than 4 years. many people like it not just for the obviouc extra leverage, but it can also leave some emergency money in the kitty. The LMI providers are getting very fussy though and youd need to fit into their box ta rolf