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Nab rates may be cheap today but tomorrow is also another story. Me, I'm ex cba. we got bonuses as well as trail income working as a branch lender back in the day. So I'm pretty sure that NAB dont pay lenders just a base wage, based on when they wanted me for a job with them they offered me a...

Youre in LMI with ANZ or NAB based on what you've said. If you've already paid it at ANZ then they can use your previous LMI which brings your costs down versus paying a whole new premium with NAB. If you increase borrowings on both variables to 90% it gives you about 30k to play with...