Hi there, long time stalker of PC. Am so grateful for everyone's advice and information regarding property investment. So our situation is as follows: We have a PPOR loan (A) with an split loan (B) that was used to pay the deposit and stamp duty/costs for purchasing an IP. And then loan C secured against the IP. We are selling the IP soon and am wondering what happens to the equity loan B? Does that get paid off? Is it possible to consolidate equity loan B back into PPOR loan A ie. increase the home loan amt and put the loan B amt in the offset account (which is attached to loan A). We are thinking of converting the PPOR into an IP as might be close to getting an interstate job, we are keen to buy there if the job becomes a long term prospect. Loan A+B would be the original 80% LVR of the original PPOR loan. Would this be considered a refinance then? If consolidation is not possible, what would be the next best thing to do to maximise the tax deduction for the converted PPOR to IP. We would like access to the money in loan B for deposit/stamp duty costs for the new interstate PPOR if it eventuates. Hope the above makes some sense and thanks everyone for their thoughts!