I know a lot (or most?) lenders don't allow using a personal loan as a deposit but of the ones left that might, how much of an impact does using a personal loan from a bank have on servicibility? Would have genuine savings but rather borrow the cash for tax deductions and then put my own savings into the offset for a buffer. Eg, borrow $50k and use that as a deposit with Bank B. And how easy would it be to get the mortgage and then consolidate the personal loan into the mortgage?