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I agree that its impossible to have certainty over lending policy in future - as brokers we can make plans but they will always be dependent on some assumptions. Nonetheless, there can be some foresight applied. In current circumstances, taking equity out is probably best done sooner...

As Rolf mentioned, its not as simple as stated and there are other factors to consider (to name a few: flexibility to access equity, interest only extensions, your risk appetite). Nonetheless, looking at it solely from a borrowing power maximisation point of view, there are a few lenders out...