Ah, good old Mazda! Yes, but I was bagging the 'rationale' not the financial circumstances if anything.
Anyways, funny that you bought OTP so that you could dodge the LMI. You don't need me to tell you that is indeed very wacky.
OTP is definitely not me, but I respect the choices one makes. In fact, my best friend signed up OTP for a 2 bedder apartment on A'beckett St, Melbourne (Dynasty living development) last weekend. His reasoning was that he wanted to live smack bang in the CBD, new and planned to move out (from his parent's house) in 2 years time. Those are the type of reasons which I can understand. Dodging LMI, stamp duty savings etc...those kind of things are hard to comprehend.