Silly question... Wondering which one would be better... :-/ Let say 80% lend ~ $400,000 88% lend ~ 440,000 plus LMI $6500 On land + build We plan to stay long enough to recoup some growth. It is within 1.5km to station, and within walking distance (<1km) to potential new station if it gets build. Thinking of buying another investment property end of 2018 and probably that's about it for a while. I have fund to cover the 80% and some good amount to put into offset, so it kinda makes sense to keep it without $6500 LMI, however it also means no immediate access to approx. $40k which kinda be useful for the interstate moving, especially after lower valuation vs. cost :-/ What would you choose and what will be your consideration?