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1. Both need a minimum income of $150k (this can include rental income so say $120,000 PAYG and 30k Rental) 2. Both need industry certificates 3. Engineer must be employed by mining company 4. Must enjoy long walks on the beach

A couple but most of them have PoA's so you I rarely speak to them directly.

No you actually have to be Chuck Norris. They did however make a policy exception once for Rick James.

You need to be a professional sports person or ex player or coach still working in the industry and have a contract with at least 12 months left

You can get LMI waiver to 90% LVR if you are: 1. Medico 2. Accountant (subject to conditions) 3. Engineer (subject to conditions) 4. Lawyer 5. Politician 6. Celebrity 7. Athlete 8. Chuck Norris

You are going to get no benefit from refinancing the ANZ debt because you have paid quite a bit of LMI. Call ANZ discharges, threaten to leave and they will drop their rate. ANZ will not want to let you go - have are losing business in droves.

Using a lender like NAB hurts because they using benchmark rates for existing debt however a lender like Macquarie will still use actual rates even for existing Macquarie debt provided that you have had your loan with them for 6 months. Im constantly seeing people use a lender like NAB (with...

The problem with both Suncorp and ANZ is that you run the risk of snookering yourself later on in your portfolio. So say you have a couple of properties under your belt and then you want to draw upon the equity against the Suncorp loan - good luck because chances are that servicing will be too...