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Thanks, brokers will know. Not sure which is easier and depends on the person, but yeah in the long term servicing could be a wall. For me I haven't hit the wall yet and was able to make some small improvements to my servicing. But to prevent hitting the wall in future I've been buying the...

Get a good broker to assess your servicability and borrowing capacity, ask them what will hold you back from getting more finance - it will hopefully only be either lack of equity or lack of income/serviceability (if it's credit rating, you have other problems to deal with first)...