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My refi to ING was at under 80%, so LMI is not an issue. The loans I have with ING are not ones where I will be wanting any equity release and as above, LMI does not come into this for me. If, down the track, I did need an equity release and ING would not play ball, there is the option of...

No it isn't. My move to ING was a deliberate choice and part of an overall strategy that I developed with my broker. I have found them to be a great lender for my purposes. But my situation is fairly unique, so probably would not apply to other investors.

I forgot this one. It would be a PITA if I had more than 2 loans with them. I see them as useful as one of my lenders but I wouldn't try to have more than 2 properties with them. Anyone who is planning to cash out or release equity should avoid!

I have 2 loans with ING, so I'm happy to get the 1% cash back. ING has it's limitations though, which my broker made me aware of before they were selected for these loans. The servicing calcs are pretty bad. I wouldn't put many properties with them. I have my properties split across different...