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Terry, Thanks very much for your advice. I will borrow enough to cover Reno and establish a LOC. Thanks for the tip regarding the book, much appreciated. Alex

Hi all, I read these forums every couple of nights but have not been able to answer these questions. Our situation- 1 PPOR, purchase price $500k in 2011, bank reveal this week $580k Mortgage of $420$, $20k in offset 1 IP, neutrally geared, interest only at 90% LVR on original...