I've been approved with loans.com.au to refinance and pull equity, so the deposit won't be an issue. My concern is the loan I'll need for the next residential purchase. I'm having a mortgage broker check my serviceability however we arn't very confident. Should I go back to loans.com.au for the purchase?. Are there any other on-line lenders I could try? or could I try individual credit unions? Would the purchase of perhaps commercial be a better option? I'll have around $270K for deposit and purchase costs.