Hi gurus, I have a PPOR and IP PPOR - Split1 $300k - Split2 $120k limit with 98k in the loan (22k available for redraw in the loan). I used this split to pay the deposit if my IP and make redraws to pay the ongoing expenses of my IP IP - 300k I am looking to refinance the PPOR for a better rate however I would like to know how do i handle the 22k funds without impacting my Neg gearing. My thoughts: 1) Move the 22k from PPOR Split2 directly into IP loan without mixing via an empty savings account. Any future IP expense is to be drawn from IP Loan. Would this work? 2) Alternatively, refinance the PPOR with $300k and $120k split and then redeposit the $22k into Split2. Somehow I dont think this would work. Appreciate any of the gurus opinion here.