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Hi Peter, After 3 years we would refinance, would this lodge another credit file? Are you best truing to get a longer term loan with competitive rates, especially for the first IP? Thanks again all

Thanks for that What rate should be attainable for an 88% LVR for a loan value of 550K-650K?

Its a Commonwealth 3yr special rate with a $200 upfront fee. For your first IP of many are you best to stay @ 80% LVR or I was thinking after reading on SS to go with 88% LVR. Funds are coming from Equity in PPOR

Yes, its the 3 year rate product and jumps to 5+% afterwards... Cheers

I have been quoted 4.59% with COMM @ 88% LVR with IO on a 550k loan Is this good?