Hi everyone Can I run a scenario past you guys. Assume I have 2 IPs. Each has its own offset account against its own loan account. I'm trying to refi IP1. There are 2 options. 1. Line of Credit for the increased equity of say $100k (which will sit as a SEPARATE and ADDITIONAL loan to the existing loan account of IP1). OR 2, The bank will put the increased equity of $100k back into the offset account of IP1 (without opening a separate/additional loan account). Am I correct in thinking option 2 is far better? If I went with option 1, does this mean any future application by me to refi IP2 will involve the bank equating the LoC as a liability (akin to me having a credit card with limit of $100k) which will significantly eat into my serviceability? Can I avoid having this extra liability if I went with option 2 or will the bank see it the same as option 1 in processing future applications?\ THANK YOU.