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I'm out at lunch and on phone so harder to give a detialed response. But sounds like someone has suggested topping up loan, you don't want to do that as you would have a mixed purpose loan. $400,000 loan 50/50 for IP & PPOR isn't what you want. You want $200k IP & $200k PPOR separate loans...

You're in a good spot decent equity and reasonable incomes (haven't seen any unsecured debt like personal loans or credit cards so assuming there arent any). If you're buying for $650,000 you will need approx $35,000 for purchase costs, so $685,000 total. Suggest a loan against the...