Hi All, Have a few split loans, one is PPOR atm.... I want to reduce PPOR split and move to another existing split that is rather small, this existing split has been used for initial deposits/costs. So I can either pay down x amount on PPOR then transfer across to smaller split, or transfer the debt then put the same amount of cash into that loan split before continuing with further costs on IP. Will it make any difference ? I will be asking accountant when time comes to not claim any interest until after is rented anyway.