Hi everyone. First time poster but long time lurker! Have finally reached the stage of buying a property but would like to borrow 95% with LMI on top. My friendly bank tells me I can borrow well over $1M and LMI can be capitalised but total loan is capped at 95%. I will most likely need to borrow up to $600K. Will any lenders still do 95% + LMI capitalised? Is LMI negotiable at all? Hope I don't sound too ignorant! Thanks.