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Concentration risk is one reason and serviceability (or lack of) is another. Your point about rates is a valid one but rate is not the first factor on the list. If your current lender says "sorry, no more money for you" due to hitting the serviceability ceiling and another lender rolls out...

Thanks Cory :)

I have set IP loans with them for clients in the early aquisition phase with no issues including top ups. Some at 95% +cap lmi which is high risk from a lenders perspective. Am I missing something? Ps. Have taken many more away though :)

Please embelish?

Ask a broker in WA about Bankwest and the response will likely be positive. Ask a non WA broker and the response will likley be negative. They have 20% of the market share in WA.