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I now have 1 PPOR & 2 IP's, but am still carrying a loan on my PPOR. My PPOR is a LOC & I know all the reasons why I should pay off my PPOR loan, but the temptation to convert any freed up equity/cash in the LOC is to great. (ie. convert this equity/cash into more IP's). Because after all, the...

I have my PPOR & 1 IP and am keen to get a 2nd IP, however my LVR is approaching 90%. Is mortgage insurance calulated on a sliding scale & does anyone have this info so I can determine the damage. Also should I wait till my LVR is below 80% (avoiding Mortgage Insurance) or is this just a...