Hi all. Just wondering if any brokerrs or individuals were havinf luck with westpac or othet institutions in negotiating to get reduced LMI for an owner occupied construction building loan as westpac had done with their 85% lmi change. Im looking to get titles and settle around oct and i know westpac requires settlement prior to that. Wondering if anyones been able to extend the applicable months or get a similar deal with another decent financial institution. The savings of 5% equity means a good 25k deposit for my second property in the portfolio, so strategically it'd be really good to save on this. Once one lives in it for 6 months plus is there technically any issues or way to be pinged of then changinf to a rental given originally you applied and met owner occupied conditions? Or is this just one of those 'grey areas'? Thanks!