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^ Without knowing your long term plans and financial capacity ....you may or may not want to consider a 85% No LMi lender such as citibank or the rocks etc.. Save $3-5k on LMI....def better than any "low rate savings" ....and simply refinance out after 1-2 years to a low 80% LVR if you need to.

if your looking to go for 3-5 more properties ( without your income increasing) you will probably need to eventually rely on NAB and macq...so i would either refinacne out of NAB now or stop using nab for future lending. A decent lender for your first few loans ( till you run out of...