Macbank accidentally set all my investment loans to regular instead of investment. It makes a big difference if I want to get an equity release if all 3 homes are considered PPOR but due to the recent investor rate increase it could leave me better off to leave things the way they are. What do you guys think? I have three main loans which I plan on refinancing, in the following order: 1) NAB - needs a refinance asap due to IO running out soon, 80% LVR 2) Bankwest - plenty of equity to unlock, 70% LVR 3) Macbank - plenty of equity to unlock, but unlikely I will be able to as my serviceability is already stretched and likely to be decimated after I finish with #2. So if I may not be able to get an equity release anyway given my financial situation perhaps it's for the best. What do you guys think? I have proof that it's their screw up and my broker thinks I will be able to have them switch the types without any penalties, fees etc but perhaps I can pretend like I didn't know until such time that it benefits me... The only reason this might be a bad idea I can think of is if I'm more likely to be able to extract equity from Macbank than Bankwest due to all the recent APRA changes, so I would have to reorder the plan above. I should also add that a lot of my properties are shared, which limits my options (have to find banks that don't count the whole debt against me etc), which explains some of the bank's that I'm with (also have loans with AMP, who used to be decent...).