For the brokers and likely accountants, a friend of mine was telling me about how WBC allows him to easily change loan limits. Is this actually possible? And if so what are the considerations and do all lenders allow this? An example may be necessary: Say you have your PPOR, loan balance is 400k but limit is 500k. You then have a second split of 100k used for investment purposes. Say you now want another 50k to invest. Can you reduce your PPOR loan limit to 450k and then increase your investment split limit to 150k? So you are basically re-borrowing the money from your PPOR and turning it into an investment loan which in my/and his likely ignorance would still mean its deductible as an investment loan. And also given it is simply re-shuffling loan limits then it should be straight forward as he stated?