Hi Victoria,

In relation to your ING query, the bank does offer a no LMI scheme if you have 15% deposit. Instead of paying an LMI premium you pay a fee of $399. They do have certain criteria that you have to meet to be eligible for this policy though. The criteria's for this policy are things like having to be with your current employer for more then 2 years and etc.

Colonial/CBA are like any other major bank where their services fluctuate with the amount of demand they get from their customers.

If you have any other questions about structuring loans please feel free to do so on 02 9727 4480.

Kind Regards,

Onur Kocabay

Finance Manager

Q Financial Pty Ltd

Suite 14, 30 Nelson St Fairfield NSW 2165 | P – 02 9727 4480  | W – http://www.qfinancial.com.au