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yes good call, the closer to settlement the lower the offer :D

My suggestion is as follows Top up NAB loan to 80% of value on current property. Assume Value of $520k *.8 = $416k current debt $315k gives you $101k. On the new purchase get a loan for 80% of value get an interest only loan with ANZ or Bankwest etc. That would be Purchase Price...

Dont panic it is an easy fix, how much did u pay for the new property? Have you paid any deposit?