I'm doing a refinance on an IP in Brisbane. Used to be my PPOR but now looking to rent it out and draw out equity. Current financier is both complacent and non competitive. Looking to pull out as much as possible but without paying LMI so I expect to be reduced to 80-85% on a previous bank valuation of $600k. Probably sell in a year or so, so I want to dodge early payout penalties. The Liberty rate seems good and a friend refinanced with good effect. Still haven't got around to my 14-15fy financials so that may be an issue. I would like some feedback from the forum if possible- either from brokers or people who have used Liberty. Alternate suggestions for financiers are always welcome too. Thanks in advance.