My broker can only find 95% lend with LMI capitolised. He's currently thinking ANZ break free package. Features I need were 100% offset (we will probably live in the place in 3 years or so), interest only (at least while its an IP) Are there any other providors out there that will go to 97% and capitol the lmi? The house value is approx 270k. We have 20k ready to go in LOC for the purchase costs (including deposit). My wife does have 6k in savings which would cover the costs at 95% but that money is intended to replace her income for a while if we have a child, so we would really prefer to go to 97% Which lenders will do that, have a 100% offset account, and will do IO?