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Not sure why you'd be negatively geared - disregarding the CBA product the most you can borrow is 72%. You should be well and truly positive at that LVR.

For us, it was just having $130K between us doing nothing, while the rest of our money was performing well. We don't put anything into super - our employer contributions are all that go in. But we did want to leverage what was already there. We wouldn't bother if we didn't want to leverage -...