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Ah well, for a straight forward IP IO loan it has been all good. If it becomes a headache later I can always move on. BTW, my bank manager said today credit seems to be tightening - not easing - and valuations are coming in really conservatively. Cheers Ali

Greater Building Society does 95% LVR loans (LMI capitalised) and very competitive interest rates (variable 6.94%, 1-year-fixed 6.59%). We just got one without any hassle and they were by far the easiest and friendliest to deal with I have come across. I think they only do NSW and QLD. Cheers Ali