Hello everyone, I am in the following situation at the moment (figures are imaginary) : Loan Amount Security Purpose Type 1 $400,000 IP1 Investments Primary 2 $30,000 IP1 Non Deductible Equity Release 3 $700,000 PPOR Non Deductible Primary 4 $50,000 IP1 Non Deductible Equity Release Loan 1-3 are already setup with it's own individual offset account. Now, I am in the process of setting up Loan 4. Should I set it up by topping up Loan 2 or create a new split (Loan 4) ? If I split, this will cost $10 extra pm in account keeping fees. I plan to purchase an investment property later down the line at which times I would have accumulated around $50k savings..I would want to use the savings to pay the existing equity release loan (non deductible) and redraw for investment purpose to maximize my deductions. I hope I have made myself clear Thanks in advance.