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Thanks for that I just checked again on the documents as we have not signed the final ones - the IP is the secured property BUT the loan is with the same bank so nothing would surprise me. It was an interesting situation - the Bank val came in over the price ( but he later changed his valuation...

Well 2 mortgages - one on my PPOR and one on IP - the one on my IP is more than I paid for the property - PPOR is not mentioned at all and has nothing to do with IP . The IP needs some work so they lent me more money to do it up - it was a fight but got there.

I have equity in another property but just got a 110% LVR in Brisbane