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Personally I wouldn't put things right to the limit with a lender before moving, better off to stay ahead of this limit by a reasonable margin. If you're going to push serviceability with a lender, then buy the next property through another lender, you may find yourself handcuffed because the...

Each of these lenders have a professional package which would incorporate each of your loans under a single package fee. If you're borrowing a reasonable amount of money (say $700k or more) then lenders will be more negotiable on their rates. Keeping track of your accounts is also simpler. On...