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Thank you for everyone's feedback and opinions. I thought I'd share this with you as it's another opinion: "First, if the market turns against you, so much so that your equity falls below a certain amount or even go negative, whether the bank has the right to "call in" the loan. Second, if you...

Thanks Brady - that's a very good money management idea. I'll keep that in mind and won't be maxing ourselves out.

Totally agree - I'd rather have money that's not tied up and not buy more doo dads!

Thanks Jamie. So realistically a deposit of 16% would be the best way to leverage in this current market? And this allows us to buy more properties? At what stage would I be starting to pay these off if I set them up as IO loans?

They are worried that we would be putting not enough money into the property and would be risking too much if the market goes down. Their reasoning is to reduce the risk involved. I'm still trying to figure out their reasoning as well, and that's why I wanted to get further opinions and see...

Hi SS members, My wife and I are in the process of looking to build up our portfolio of properties and currently own 1 investment property that has equity to draw down from. I would like to get some feedback and honest opinions on the pros and cons of using say 10% equity compared to say...