1. i wouldn't cross the properties into one loan for equity reasons....more headace in the future + you will need to uncross later on anyway.
The KISS theory applies. Keep it simple sexy :p
2. Do NOT ix your equity into your PPOR offset..the ATO uses the purpose test to determine if the...
1. No interest charged on the extra borrowing till it's used ( Presuming you have an offset account/ loc /redraw and structured correctly etc..)
2. Be "fund/cash" ready for the future..your focus might be 1 only now...but in 2-3 years time you may want to go ahead...it saves you from doing...
