ANZ`s credit department has been keeping me up at night stressing, with its sensitivity rate @ 7.75% and even up to 8% with my loans from the other majors. That`s around 3% of all borrowings magically added to serviceability requirements. The resultant nightmare being, as each loan approaches the end of its fixed term, the credit department now demand P+I repayments, severely eroding our cashflow. It seems the APRA directive from last year is really starting to impact established PI`s ability to finance portfolio expansion or general access to loans for development, renovation, value adding. Options? Just pay P+I(sacrilege)? Hang on till policy change (when)? Go to the other majors(diversity exposed)? Anyone else dealing with this problem? ps Apologies if this topic has already been covered but this issue consumes me, when the banks stop playing the game, we`re in trouble!