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Thanks Jamie. Guessing most lenders sigh when they see your number come up. Haha

I know it will vary per lender and obviously many scenarios but out of curiosity are there some broker rules around negotiating a better rate? Say for example above 80% and below 300k = Don't bother Under 80% and below 300k = small deduction Just above 80% on a 800k loan = small deduction...