I have my appointment with the bank tomorrow to sign my new mortgage papers, do was hoping to get some advice on the best way to 'structure' my loan set up. I am refinancing with a new lender and borrowing the extra equity in my PPOR to build a granny flat on my property. Granny flat will be rented out at $350 per week New mortgage will be $400k to pay PPOR mortgage and $120k to build granny flat. There is an offset account as part of the loan product. I also still have $30k of my own money now sitting in my everyday bank account. What would be the best way for me to split the loan and hopefully maximise some tax deductions? I don't have an accountant yet but am in the look out for one.