Looking for some advice. I have a PPOR that I have used the equity to purchase 2 IP's. I understand that if I sell this PPOR I have to pay down the 2 loans which then reduces the amount of deductible debt. If I then purchase a new PPOR I will have less cash and need to use the equity that I have just created meaning more non-deductible debt. Is this correct or can refinancing at the time of new purchase be done as to move more of the debt back onto the IP'S. To complicate it further if this new PPOR was not actually required for three years would it be better to buy another IP and then buy PPOR when needed, buy it and rent out or park the leftover money elsewhere until ready to purchase PPOR?