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Ausprop makes a valid point that you need safety buffers before you take on any debt and having an exit strategy is always wise, even if you never need to use it. I would not agree that any lender other than the Big 4 leaves you in a dangerous position however. THE GFC brought a lot of pain...

Cenz, As others have pointed out, the first factor to consider is your long term strategy. If you are building a property portfolio, most need to get the lenders in order, which to use when and for what property. Both CBA and Macquarie have reasonable servicing calculators for multiple...