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Thanks guys. A lot of great ideas.

Thanks Aaron C, I would like to uncross but it will be painfull (around $8.5K) so I need to wait 2.5 years or change in interest rates ... So I think I should not touch those two loans at all and use money from Offset account as deposit for new PPOR in Mackay with different lender...

BRADY: thanks for confirmation. Jake D: thanks for that but as I stated above I pay a lot of tax ~ 30K and if I keep things as they are I will pay even more.

Hi everyone, Thank you in advance with help. My story is: I have: 2 Bedroom Unit in Emerald QLD - PPOR ( Loan P+I @185K owning $185K) never valued but is around $310K New house in Narangba QLD 4/2/2 ( Loan IO @ 447K) Split $400K 3 year fixed and $47 K variable. Never valued...