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Thanks all for your replies. Makes me feel a bit more comfortable at least that my MB is right and can't do much more re-finance wise. Now the decision is, will lending restrictions ease so I can re-finance later. Or do I bite the bullet and sell to put the equity into another investment...

Hi All, I recently applied for a re-finance through westpac to access equity to finance a new investment property purchase. Property: 1 bedroom apartment in Elwood, Melbourne Value: 330000 Loan: 257600 We were trying to apply for a 90% lend to access 39400 equity for the purchase of a...