A few changes with ING which i will summarize.... 1. No more cash out for property that's secured against an IP 2. Max 70% of gross rental income taken for servicing 3. No more discount for NEW investment loans ( so rate will be from 4.72% @80 LVR)...existing are not effected 4. Old ....but max 80% LVR for NSW IP NOTE: Cash out is the next one to go with most banks...so take out what you can especially on your IP.