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Thanks everyone. Now I just need the market for my property tpye to actually move :D

Thanks for the replies. In this case the lender is BankWest.

Let's say I buy property X at $500k at 85% LVR. In 12 months time it is now worth $550k. Can I extract the extra equity without incurring extra LMI (assuming I keep the LVR at or below the original 85%)? If I decide to take the LVR up to 90%, do I cop a full LMI charge again, or the...