I applied for a loan for my next investment property purchase but was knocked back due to serviceability issues. Subsequently, I saw a lender offering a fantastic rate of 3.89% fixed for 3 years, interest only, and for investment. I applied to refinance my entire portfolio, but you guessed it, declined due to serviceability issues. I've been comfortably servicing my portfolio for many years. Each year, my salary and rents go up and this makes serviceability even easier in practice. However, both lenders say post Royal Commission, they've had to really tighten things up and basically treat every applicant as an idiot or a fraud. My serviceability is getting killed because they stress test at 7-8% on the loans and don't take 100% of my rents or tax deductions as income. What can I do to get more finance? Is there a loan product for "sophisticated" investors who know what they're doing with their portfolio and finances? A summary of my situation: - Professional earning $200k+ a year. Full time employment with the same company for more than a decade. - Portfolio of 7 investment properties with about $1.5M in equity. - Overall portfolio is around 75% LVR and is cash flow positive. - About $200k in cash savings and growing rapidly each month. One lender suggested I use these savings to pay out one of my investment loans and then they would give me another investment loan. Makes no sense from a tax perspective to do this. - Live very frugally with no bad debts (no credit card debt, car loans, personal loans, no wife, no kids etc).