I'm wanting to move out in a few months and i've got an investment property. I'm wondering if i should live in investment property & also pay off the investment loan completely or redraw money for deposit on second property (PPOR) ? Investment Loan: 125k avaliable redraw (paid in advanced), 181k current balance, 153k principal paid. Current interst rate at: 3.32% (I don't have an offset account) Should i: Redraw the 125k as a deposit for a 450k PPOR loan OR Live in my investment property until I pay off my existing loan completely, and once paid off, save up for a deposit for the PPOR. (Later, when i move out of my property, i'd want to later place tenants back into it/use it as an investment property again.) I'm not entirely sure what is the best option in terms of saving money, as i'm currently utilising negative gear at the moment, and other tax things etc. I've heard people say about offset accounts, and wondering if I should do this.