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ok - all good. For an IP - you'd want to contribute at least a 10% deposit and costs. Ideally - a 12% deposit would be slightly better due to LMI being less and lenders credit scoring being less harsh. Cheers Jamie

Hi Sean What you can afford and what banks are willing to lend you are two different things. No one here knows your spending habits or tolerance to risk. The idea that Mac would lend $750k to someone on $65k p.a with a $487k PPOR debt seems a bit crazy to me....but I don't know your...

Fair enough. If you'd prefer not to read the input from brokers than you can block our posts. I think there's a sticky thread that provides instructions on how to do it. Cheers Jamie

Kudos :) Nice to see a different pic - that seagull one was becoming a bit predictable. Cheers Jamie