Hi We have just sold our PPOR, currently renting until we settle on land then build. Will be building a PPOR including the land for approx. $540k total. Prior to the sale of the previous PPOR my finances were: PPOR loan: $250k - Bank A Equity loan: $90k - Bank A Investment loan $450k - Bank B IP worth approx $570k Old PPOR sold for $465k Prior to sale of PPOR I had troubles keeping the $90k loan open - long story. In the end I ended up having to pay out my $90k equity loan with PPOR sale proceeds. Therefore I have paid $90k off the investment property and will now have to lend another $90k for next PPOR – non deductable interest! PPOR loan will eventually be approx $420k in total. I am thinking of getting some advice but wanted if there were any suggestions on here? Not sure if I should get another IP this year or look at debt recycling (including possible paying IP loan interest with borrowed money). Any suggestions?