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I'd be inclined to follow the path mentioned by Big Tone - use as much of the banks money as possible and place my own cash in an off-set.....I then have cash on stand-by if needed.

From my experience, it's generally straight forward to top up a loan to 90% LVR. However, I doubt any of the lenders I'm with would approve a 95% LVR top up. There's usually a timeframe for applying for a top up as well - some lenders may not revalue the property for 6 months (unless renovations...