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When banks look at your servicing, they look at current expenses but give them a loading - 2% or so, on top of what your actual repayments are - and often on top of what your P&I payments 'would be' if you're currently paying IO. It all varies from bank to bank. So if you do a cash out through...

If you've got a bit of room serviceability wise, you should be fine. It will depend how you service. If you are going to access the equity and buy a new IP, they'll want to make sure you service with the whole new IP debt as a liability, not just the extra loan they're giving you. Not a big...

Who's your first loan with? You might be able to bring the LVR up and use LMI, or depending which bank you're with it might be worth refinancing completely if they either won't do it, or aren't a great investment lender (eg Bankwest.) It will all depend on exactly what you're trying to...