I know there's been a lot of talk about the recent lending changes - particularly to servicing. While that does affect many investors, the LVR caps that are continuing to be rolled out have the ability to really slow down people in their tracks, particularly newer investors who may have used LMI for their first couple of deals. Bankwest and ING were the first to lower their LVR's for investment, and to be honest it was a bit of a 'who cares' scenario with both lenders being particularly crap for investors. But now that Westpac have joined the party, it's going to have more of an impact on the wider investor community. If your current lender is still offering lending up to 90% for IP's and you've been considering accessing equity at high LVR's, do it now! It's just a matter of time before we see other major lenders follow suit, which will effectively trap your equity for the foreseeable future unless you're willing to cop a costly refinance and pay a new LMI premium with a new lender.