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It's mildly pejorative at best. Rather like 'posh' in Britain. Imagine a young South African, black, white, whatever, first pay cheque, first job, treating themself to a coffee machine. The sales assistant produces a top-or-the-range model; the purchaser laughs and says "That's too larney for me!" Or, when I suggested Caroline as a name for our daughter, my husband was concerned that it might be larney - I won that round. We bought a new car once, having driven an elderly rust bucket for years, and named it Cyprus Airport because it was a larney car (Larnaca ...). There are certainly words that are pejorative enough to start a riot - kaffir in my country, nigger in yours, I think wog in the UK - but larney is far from that.