Hi all, We are currently refinancing our Owner occupied home loan. We owe 375k and the house is valued at 550k, We are going IO as we plan to turn the house into an investment property in 4-5 years. We will build up the offset account for the next deposit by adding repayments as if we were still doing P&I. We can borrow an extra 65k in equity which will keep us at 80% LVR. My question is, how is it best to do the 65k for tax purposes for when we do make it an investment property? Should we do a split loan? 375k and 65k, will this help in regards to keeping the 65k separate for tax deductions?