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The annual fee is minimal I believe. You could use this to borrow up to 90% instead of 80% and keep more cash in the offset for cashflow buffer. Alternatively you could start at 80% get a few and then join and increase LVRs to 90% all in 1 year to save paying the fee over more than the 1 year.

I just received an email from NAB on their medico policy:

Heaps of lenders do these now - what do you want to know?

Chartered member of Engineers Australia? Wife's income can be accepted if she is on the loan.