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In my case, the loans I am considering does not allow capitalisation of the LMI. My LVR will be either just 90% or 95%. There is actually also a difference in variable rates of 0.10% between the two options. The additional $5,500 of LMI and interest will give me access to $16,600 (net...

Thanks tarolf and bcoombs. This is what I suspected and thus I will be more inclined to apply for 95% now rather than attempt to top up to 95% later. Thanks Bigtone, i think this is exactly what I shall do. As my job security is looking good for at least the next 2 years and my property...

Hi all My post is on a similar topic to one yesterday, but I didn't want to hijack the thread. I am a first time investor. I have just made a purchase of $330k and I need to decide on my loan details. This is my very first property, i.e. I do not own a PPOR. I am undecided about how much...