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95% LVR is actually very rare these days. I am a broker and can't say I have written any 95% loans in the last year, maybe last 2 years. I expect these to get more difficult to qualify for too. You should probably model on 90%

Great Start and nice strategy in general, but what is it you are trying to achieve? Couple of random points 1. Growth of 7% pa might be a bit high, we are at or near the peak of the market (in Sydney). There could then be prolonged flat period. Also statistics don?t consider that part of the...