I'm at the stage now where I'm preparing to buy my second IP and I've got a few questions that I'd really appreciate some opinions on. 1. Should I increase my limit with my current lender or pull out a loan with a second lender? I'm satisfied with my current lender (ING) in terms of options and interest rate, but I read somewhere though that it's better to split your loans across different lenders, I don't really recall the reason why though. It would roughly cost me about the same to increase my limit with ING as it would to get a loan with a new lender, so I'm not too fussed in that respect either way. 2. If I should go with another lender, any recommendation on who generally offers a good deal? Last time I just used Mortgage Choice to find a loan, they were pretty good, but chances are had I of done my own research I'd have probably gone with ING myself anyway at the time. If I were to go with another lender at the moment I'd be considering NAB, ANZ or Bankwest, although I'd like something with Free Redraw, not where you only get it free for Redrawing $2000. 3. Should I stick with the basic no-frills type loans with the lowest interest rates, or are the "Investor" type loans beneficial in some way? I've personally always thought of them as being a little gimmicky, personally I'm fine as long as it has an IO option and a redraw facility which doesn't cost me to redraw. 4. What are the chances of getting a platinum credit card with the fees waived if you've got a home loan with the lender? This isn't really all that important, but I'd like to get a platinum credit card with the annual fee waived, I think if I'm giving the lender tens of thousands of dollars it's the least they could do. I've heard stories of people getting credit cards with the annual fee waived. And just in advance, I understand everything you guys say will just be opinions, I know I need to take into account all my own personal circumstances etc, I'm really just after opinions on what I should do here before proceeding.