Hi All, First time poster just looking for a few different views out there. I am a young professional in the early stages of my career and looking to get into the property investment market, however I currently do not have a deposit as I am in the early stages of my career. I am looking at borrowing 100-105% LVR, which I have been informed is still an opportunity provided 20-25% is secured against one of my parents properties. I have run substantial calculations and expect to have the capacity to release the guarantee between 2-4 years, presuming a reasonably conservative growth of 2-4%. However I wish to jump in without the deposit as I anticipate the market I am jumping into to grow much faster then that (and at a rate faster then I can save!). With the know how this type of loan will be assessed when applying the new 'risk' based pricing of interest rates? Will I receive a higher rate due to the 100-105% LVR borrowings? Or will the effective 20-25% security put me at an effective LVR of 80%? Or is it likely to land somewhere in between? Any help here would be appreciated. Cheers!