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No idea, to be honest. I use existing equity to pay for deposits, and I don't have any issues paying interest on it. I look to minimise non-deductible debt, maximise deductible debt and maximise exposure within my comfort zone. I've never thought about minimising deposit costs. Never thought...

Yeah, you're right. Clearly I don't know how this works.

Wouldn't Castle Hill and Kellyville, especially Kellyville, be skewed by all the new stuff (more expensive) that's coming out?

Long term, rents do go up, while your loan doesn't. If you buy something for say 5% gross yield, it won't be THAT long before it becomes neutral. As one becomes neutral, you can buy more, etc. Though it wasn't always like this. Used to be (and probably will be again) when you could buy...

Put in a >50% deposit.