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Based on the current regime (and the previous), aiming for a 10% deposit + costs (90% LVR) provides you with a much more cost effective finance structure, and allows you to grow a lot quicker than 95% LVR purchases. Whether or not there may be LVR caps imposed in the future below this level is...

Really dependent on lender - heck theres some which will allow 15 years off the bat if you can service adequately.