Hello, Current situation. Living in PPOR with family: Wife, 3 kids (2x2y/o & 5y/o) PPOR Loan = $251,000 (+ $15,000 from Top Up untouched) PPOR Val = $280,000 Offset Acc. = ~$23,000 most of the time Car loan = ~$37,000 Property is 3/1/2 on a corner block (750sqm) in a nice suburb Rockhampton Single salary of $140,000 Short term goal: To aquire an investment property. (simple?) Long term goal: Nothing set just yet. To eventually have multiple positively geared properties. We do not live an expensive lifestyle, our only major expenses (besides paying bills/rates etc.) come from our semi-regular holiday trips (car & camper trailer) to beaches and state forests. So question time, what is my best approach to accessing the mountains of cash the bank has to offer? I felt like it was a struggle to get my current loan, let alone more. I also think it was a bad move to get the top up loan of $15,000 for 'renovations' (after reading this forum). I now strongly believe that it would be a struggle to get any more than $20,000 increase in value with that $15,000.