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NAB is able to release the securities for you without refinancing / incurring break costs. It all depends on the valuation of them and whether the manager handling your loans allows it. This will not cost as much as a complete refinance which would be a bit silly since you have a 3 year fixed...

First step first. Uncross NAB loans if you are able to, and at the same time get some money out to go help pay for the car (or get a cheap 0% rate etc from some of the dealers). Don't worry about the deductibility question so much as that is only a secondary consideration (although it is a...