Hi all, I'm looking at trying to buy my second I.P (thanks to the wonderful help of you magnificent forum members). I have a question on the acquisition of funds for settlement costs (such as stamp duty, conveyancing fees etc). I plan on taking a new loan at 95% LVR and have enough funds for the 5% deposit. I have access to some funds to cover the settlement costs but would prefer to borrow rather than use savings to cover these. As borrowing these funds would push the loan above 95% LVR, borrowing directly from the sale loan isn't an option. There isn't any significant equity in my first investment property to consider that as an option either. I've spoken to my lender who said that for the loan to be approved at 95% LVR I'll have to bite the bullet and pay the costs or take out a personal loan for the funds required (doesn't sound like a great option due to the 11%+ interest on personal loans). My questions is what do you do in this situation, do you just have to bite the bullet and pay the costs out of pocket or is there some other option to have a loan with 95% LVR + settlement costs? Thank you in advance for your time.