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Absolutely - having that much cash at 18 is incredible. I think I had about $800 when I was 18.

If all the LMI is capitalised, literally only Bankwest would do it for an IP - most banks have a max LVR of 97%, so in reality a 95% lend is almost myth. You'd want squeaky clean everything for that deal to get across, and by going with BW you're shooting yourself in the foot in terms of equity...