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Hi Mark, You should be able to top-up the two loans to 90% LVR and take out two separate lines of credit that can be combined to use as a deposit for your PPOR (avoiding cross collaterisation). Loan 1 - Line of Credit = $27k Loan 2 - Line of Credit = $43k Total deposit for PPOR = $70k...

Maybe you could top up the IP loans to 90% LVR - giving you a $70k deposit to put towards the PPOR loan. CBA will lend 95% on a PPOR loan (and capitalise LMI up to 97%) for existing customers (proving your banking history has been perfect over the last 6 months). The $70k will be enough to...