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Also to add - you'll see I am new here so please use simple language on me. :)

Hi Everyone, We currently owe $252K. House has been valued at $540K, so we are tapping equity and bank is topping up loan to $432K so we can use difference to put towards 20% ++ for new PPOR to avoid LMI on the new place. We currently have surplus of $35K which we will redraw to use as 5%...