We have been very focused on interest rates thus far, myself included. However I am now at a stage where I have hit a serviceability wall with ANZ. Rates are actually not that important anymore to me than compared to tax deductible debt. (rates usually can also be negotiated after approval or change to fixed loan etc) Therefore I am now looking for lenders with who are generous on their capacity to service calculations for personal/or family trust. I have good buffer in offset ie 10% of total loan amount, however this can not be deducted off the loan when calculating serviceability. Initial discussions on PC seem to point at Liberty, however is there any other Lenders are generous amongst the big 4/2nd tier or lenders like Liberty? I hope this will be helpful to others who are looking to borrow when they are against hitting the wall due to recent changes.