Thank you all for the great response!

I was utilising the LMI rates provided by the lendors page when doing rough calculations. I realise they are very much subject to change depending on which insurer the lendor goes with. I'll re-evaluate with the posted rates to give a better idea worse case scenario. 

Does anybody know under what circumstances lendors will capitalise stamp duty under? A limited guarentor? A certain specified amount of collateral?