Can we get an equity loan from an IP to buy a PPOR or can we only get it for an IP? If the latter, how long should it be an IP before one moves in? For eg, can we borrow 30k and it sits in an offset as a buffer? We can afford the loan without it (we think) but we would have no cash buffer,p. We are cautious and know unexpected costs can happen. so we're thinking, esp as interest rates are low, just to have that equity loan as a cash buffer ? The IP is cf positive by $2000 pa approx.