Hi, Just needing free advice again: IP value: $900,000, mortgage at $560,000 = LVR: 62% How can I get out $140,000. I want the mortgage at $720k (which is 80%). I've done 2 x top ups which funded a granny flat. Can I apply for top up to this amount, broker says they won't. I don't get it. It's my equity. Can a full re-finance free up this amount? The IP is + geared and I want the $140,000 for my own uses, to go on my PPOR actually, not for another IP (which I think is the problem). Will they only lend for 'income producing investment'?