Hi team, I work in a credit union and we have identified that it is a good time for us to gain some market share from investors while the banks are restricting their lending. As I am known as the most active property investor among the management team I've been tasked with redesigning our products to make them more attractive. I thought I would come to PC for some of my market research! There are obvious features like offset accounts and attractive interest rates but others I'mnot as sure about. I've set up the poll so that you can vote for three features and I'm interested in finding out what the most popular are. If I've missed something feel free to tell me in the comments. We are still more conservative than the banks, and due to our size we have exposure limits of around $1.2M per borrower so we are aiming at those that only have 2-3 properties and do not intend to do much lending for Sydney or Melbourne properties (as we do not have a presence in those areas anyway). APRA are comfortable with us growing our investor book subject to these restrictions but still want us to have differential pricing between owner occupiers and investors so I'm afraid that has to stay. Thanks!