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Asset Financial Services (http://www.assetfinance.com.au/) in Surfers are great. We actually do meet them once every 12-18 months when we go there on hols or to visit IPs. But when it comes time to do "the business", fax, email and phone are fine. And to give you an idea of the level of...

If you want to keep your LVR at about 80%, you will not be able to draw the whole $30k. e.g. If you purchase $250k @ 80%, and pay costs in cash, you will have a loan of $200k. Say the property increases by $30k to $280. 80% of $280k is $224k. So you could draw $24k ($224k-$200k), not the...