Hi, I have recently bought land and constructed a house on it. It is currently tenanted and neutral/cash flow positive. I put in 20% deposit for the land and after revaluing it, I was able to use some of the equity in that to put towards a 20% deposit for the construction. I paid for the stamp duty, conveyancing and all other fees out of my own pocket. It has been about 6 months since the construction has been completed and my construction and land loans are still separate. My broker doesn't think I need to consolidate them but I would like to just to make it more simple. My other question is that can I refinance the loan so I can get back the deposit that I paid and other fees? Although my loan amount will go up, I feel like its ok because it's tax deductible and I will still remain cash flow neutral or only slightly negative. I'm asking this because I saw the other thread on IP expenses and they were talking about an equity loan to use to pay these things. I wasn't fully sure what that meant. Thanks!