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Thanks Peter. What kind of valuation will stack up to a lender (in this case ING)? From what I read, not the best lender in terms of equity access, but did manage to avoid LMI, so worthwhile. I do want to achieve the lower rate and dont mind coping a bit of a fee to do so (the reduced rate is...

To add a twist on this - what about with some lenders with different rates for different LVRs... how can you transition to the lower rate in times of market movement without changing lender? I've bought in December 14 (so not long ago), and done some minor cosmetic renovations that were...