I was having a chat in another thread about how the lending environment has changed and why it's now much more important if you want to make quick progress to use your PPOR to actively further your portfolio. A PPOR can be a major hindrance to growing a portfolio b/c of it's impact on servicing - often it's a large debt with no income or negative gearing benefits to offset it - not bad debt necessarily, but lazy debt that will drag on your ability to invest. Because of this, anything you can do with your PPOR to increase the income, reduce the debt or enable some deductions is going to be beneficial. So you may need to make your PPOR work - building a granny flat to lease out maybe, buying something you can live in while doing a decent reno and sell CGT-free, splitting off the backyard and selling to reduce debt, or building units for cashflow and deductions - all these things are going to make that debt work so much harder than just sitting there being home. It might make home less relaxing, but sometimes you gotta do what you've gotta do to get that PPOR paid off and/or the debt recycled into deductible debt. I'd love to hear what people have done with their PPOR to achieve any of the above?