Hi everyone, I've been reading your posts for a while now but have only decided to join to get your feedback. Today my CBA branch has informed me that I no longer have the option to split my current VLOC to mulitples VLOC for future investment property purchases. From now on, I now have to apply for a new application and the current unused VLOC limit is removed with the new application processed under the Bank's current criteria for investment purposes. Will it matter if my future investment purchases are all in one big VLOC (20% deposit plus purchase costs) provided I keep figures and my accountant can calculate the interest for each property at tax time? Or should I just apply for a new application each time I need to go again. Currently got enough remaining VLOC to purchase two more properties in the $300K price range.