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Pippety, My understanding was that the MI company only had a hand in your finances if you defaulted. I hope that's not what you're planning? :-)

PIppety, There were some posts on this in the old forum. I can't find it now. But I seem to remember that 1. There was no refund unless you pushed. And even then it depends on the bank. 2. I thought it was only for a maximum of one year afterwards.