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You can increase an existing loan with Macquarie to 90% but there are some caveats on this statement... * The maximum cash out is $100k, or 20% of the total loan amount. In my experience this is rarely an issue; I don't think I've every seen a top up above 80% outside these parameters. *...

I'm also curious about the lender. I'm having trouble thinking of a lender that outright won't allow top ups to 90%. Quite a few a somewhat tricky, but I can't remember the last time we couldn't work around the problem.

It's easy for an email to get lost in the clutter when you get dozens every day. Pick up the phone if you haven't got a reply the same day.