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Technically you could leave it to later, but your behaviour in the meantime could have negative consequences in the future. Better to create the split on that IP loan now. Split A: The original loan when you purchased the property. Split B: Any equity you've released in the meantime...

Have you actually spent any money from the increase yet? If not, simply split the loan in question into two parts and make sure the money from the increase moves onto the loan intended to be for investment use. In this particular instance though, they're both IPs, so the purpose of all the...