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Most lenders will allow you to release equity up to 80% LVR without hassle. Some will allow you to go up to 90% LVR - of those lenders, certain ones will make you jump through hoops whilst others (ANZ, AMP for instance) are more relaxed and will do it based on the purpose being "to purchase...

Rate hikes are another thing to consider too. Lenders are basing their serviceability calculations on rates which are at an all time low. For that reason - it's extremely important to assess your own household budget and work out what's actually affordable for you (based on a higher rate...

Nah - not at all. There are quite a few other lenders similar to Mac and homeside that can be used up later on too. From my experience - investors generally run out of equity/deposits before hitting a servicing wall. Cheers Jamie

haha - I wonder if they stuffed up? Maybe they were churning out 1.15% approvals and slipped up with this one. Either way - sweet result. Cheers Jamie

Generally speaking - it's those lenders that don't have very generous borrowing capacity calculators. They are the lenders that will assess the loan repayments you hold with other banks at higher than they actually are. Examples include CBA, ANZ, STG, etc. However - this is VERY general...