Hi, First post after reading though here for a bit. I am looking at a 1st investment property and want to get some clarification on home loan structure. The broker I have used for my own home set off some alarm bells with recommending cross collateralisation (or at least not advising against it) with the reasoning that it isn't really worth worrying about something that may or may not be future problem. That aside I am trying to get my best understanding of structure myself to be alert to what people may recommend and knowing if they are telling me good bad advice. I have a PPOR worth approx 440k with 200k remaining on the loan. Im I right with believing the following being a correct structure to proceed with? Re-finance to a split loan of 200k (Personal, likely P+I but could be IO) and 150k (investment, IO) - both with the same bank and both with PPOR as the security. Then I can use the 150k as a deposit on a seperate investment loan application (same or different bank) which is securitised by the Investment property only. (while awaiting that purchase, the 150k would be paid back into the IP loan as much as possible without triggering closure, then redrawn when needed for the deposit). In some ways that also still appears cross securitised (as part of the IP is stil securitised by the PPOR), but is the idea that as the IT increased in value you could simply have it revalued and have the securitised property changed to the IP? And that because it is not 1 loan with security of 2 properties that is a simpler process to alter when equity allows? Thanks in advance for advice!