LVR for growth phase ?

Apologies if there’s a post on this theme already.

Wondering what people’s thoughts are max LVR they’ve gone to during growth phase, mindful of lending and economic environment/outlook.

For me, ive got a 20+ year investment horizon currently sitting around 80% with 2 properties.
Weighing up my options whether to extend LVR to buy say within next 6 months. Example would be a middle ring bris up to $550k would extend LVR close to 90%.

 

Sticking with a base LVR of 88% + LMI on top (total LVR of just under 90%) will keep the mortgage insurance costs down, as soon as your base LVR is at 90% + LMI then the LMI costs jump significantly.