Hi guys, Just chasing some general advice on how I should be structuring my property loan. Situation is I recently purchased my first property, which is my PPOR for 500k, and placed a 160k deposit down and have an additional 80k sitting in offset, at the time I chose the numbers somewhat arbitrarily, and not necessarily intelligently. Scroll to the future (4 months later), and with the low interest rates around, and incentives from banks, I'm looking to refinance (NAB's 250,000 velocity points bonus is in my sights), and at the same time release some equity just in case. I don't have firm plans for the money, though it seems with the current market turmoil opportunities may present themselves for someone with spare cash lying around. I am concerned about mixing/contaminating my loan, as I can see that sometime in the future, probably 4-5 years away, when finances dictate, I may look to upgrade my PPOR (move closer to the city), and turn my PPOR into an IP. Do I need to be concerned that doing an equity release now may affect potential deductions in future? I should probably change my loan to IO, however are there strategies available to possibly restructure my loan prior to turning it into an IP in future? Looking at this as it seems like I'll get a more favourable rate with a P+I loan. I'm thinking I really need to look at getting a planner/broker!