I haven't been on the property band wagon for 4 months after we welcomed a new addition to the family. I have just evaluated our current situation and I have experienced a single rate rise on our PPOR due it being IO, and two increases on IP. Both where originally 4.55%. In short, I would like to release equity for future investing (sooner rather than later hopefully), remove cross security on main residence and get some better rates. I am certainly not against refinancing either. I understand in these APRA times, it may not be possible. Currently all with the CBA wealth package and I/O. PPOR - 4.7% rate 200k loan, 450k value IP - 4.97% rate 380k loan, 440k value Single income family 80k with 2 dependents. We also have access to cash in an offset account for our PPOR. Fire any questions you might have back at me. Or suggest any ideas. Thanks in advance!!!!