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It was that or no loan at all, which is why I wanted to know how the heck you did it. You certainly can't avoid stamp duty, conveyancing or the pro-rata rates and charges.

Sheesh, lucky. We got slugged with around $2000 establishment fees including LMI for being over 60% (and then some deferred fees if we get out early) *and* are paying $16pm in fees. But then beggars can't be choosers. I should just work on paying off the smaller loan and say bye-bye to some...

Just buy cheap. Our 3 cost $25k (+ reno) , $65k (+ reno) and the new one will cost $100k + $10k in fees for the land. Turns out the rent on the first two will pay for all three with a lot leftover and if we did it again the rent on the first 3 would have the first one paid off in under a year...