Just be prepared it there is a downturn like GFC, if there comes one and you are highly geared, and your circumstances change like loose a job- most...
The national PIA's are generally excellent. Since Ashley Church was exited from APIA it has been a waste of space controlled by less than honest self...
What about existing loans - how will this be affected if greater than required LVR - will this be adjusted or you have to cough up additional margin....