Hi all, Just wondering if anyone out there has any good deals or knows of any competitive rates being offered by institutions for competing for your PPOR loan? FHB looking to settle on a titled lot around October... access the relevant FHB grants, build house and perhaps rent out in a years time if move out.. In that regards I should still be able to access an OO loan on that basis and avoid all the chaos in the IP property loan market? I know there are some dirt cheap online lenders available but I'm considering my 2nd/3rd property in the portfolio in the coming years... so a lender that fits in with general portfolio and finance building would be great.... Planning to go variable with an offset account so I can plug as much money as I can in and pull it out to invest in property 2 down the track. Would prefer to save LMI but at same time I want to maximise potential deposit for property #2 given how chaotic IP loan lenders are getting. Haven't heard of any successful negotiation of Westpacs 85% no LMI into OCtober or onwards, or of any competitors offering similar 85% no LMI for Owner Occupiers? If there is would be keen to hear. Many thanks & appreciate any advice.