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For some investors yes absolutely. It's a no brainer to do it at 80% but some investors (particularly with the rising markets in the past 12 months) are super aggressive and they are in their accumulation and growth stages so they will do equity release even in LMI territory. You do need...

Always try and borrow as much as you can whenever you can and park the funds in an offset (unless you are not disciplined with money). You just never know when your situation may change (say your income drops because you are in between jobs, maternity leave, etc) or the banks change their...