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Thank you everyone for your help. I get it now. Really good information.

Trying to learn how these things work :o - I'm still setting up for the future, and the following has been suggested: PPOR - Bank 1 - 80% LVR, IO IP1 - Bank 2 - 90% LVR with LMI, <$500,000, IO IP2 - Bank 3 - 90% LVR with LMI, <$500,000, IO and in the future, to go: IP3...