Hi all am looking to further the portfolio, after first refinancing and simultaneously increasing a security/loan. Reason I'm refinancing is because I've pretty much hit my serviceability ceiling with the majors, and the loan - currently with Westpac, is at a lowish LVR - so ripe for a reval and increase to put down a deposit for the next property. Westpac has proven to be very conservative over the years, and I've struggled to negotiate any increases in the past. Enter Liberty, who, on initial calcs, are happy to take on the loan and increase it to at least 80% (or more if I go down the LMI route). Question is - are they a lender I should be wary of? By that I mean, are they inclined to ratchet up interest rates steeply once they've 'got me', or difficult when trying to borrow more for future purchases? I used to associate Liberty with dodgy, non conforming loans with a premium interest rates (to compensate for the risk)....yet, I'm being wooed by a 4.14% variable which is significantly lower than what Westpac are prepared to do.