hi guys, I've refinanced IP#1 (bank val 800k) and now have a split loan with 410k for mortgage and 120k available in 2nd split to use towards a deposit of next IP (each split linked to an offset). Just wanted to gauge the collective expertise here on the forum as to what would you do in my situation: Should I use a 10 or 20 % deposit for next IP? Are lenders even allowing 90% LVR for residential investor loans? I'm keen to use leverage as much as possible and started off with a 91% loan on IP#1 four years ago (446k purchase price) so not against paying LMI if numbers stack up in the end. Thoughts?