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They know you will find it harder to move as you are at 90% LVR. :) Exactly what I do! I managed to get 4.38% in 1.5m in borrowings...

Noice....add to this: 4. Diversify your portfolio not only suburbs in a city but also spread it across the country. Banks look at the risk attached to your portfolio when you get past 10...they don't want you holding all 10 in Mt Duie! 5. Balance the portfolio with yield and capital...