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Just to clarify, IMB told me today that it depends where you live. 95% LVR is still good for ACT, but some other places it has been rolled back abit.

Really!!! :confused: Damn, will have to go have a chat with them, was hoping to use them. Community CPS - also do 95% with LMI capitalised.

IMB - 95% plus LMI capitalised. ME - 95% (No LMI capitalised).