Banks are not charities. It has been posted here before that in almost all mortgage docs, there is something buried in the fine print, that most bankers don't even know is there, (because they are not lawyers) that says, if you exceed 80% LVR, you are in default.
So even if you are not in arrears, and they revalue your home or ip or ip portfolio down and you exceed 80 or even worse 100% LVR, then they can ask for the top up to get back to the agreed amount, eg 80%, or if you have no funds or a friend or boomer bank or loan shark to bail you out, the bank can sell your house or a few IPs for you to sort it out.
