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Thanks for the responses. That really clears things up for me Propertunity I really appreciate your help. Sorry if I sound stupid, but so if we choose to redraw the 15k or so we are in advance on the PPOR (soon to be IP) & either use on finishing the renos, getting a new fence or putting...

Any advice greatly appreciated ! We bought current PPOR in 3.5 years ago for 250k. We have been making additional payments on this loan in this time & have completed some renovations & the loan is now 210k, valued 7 months ago at 320k. We are currently in advance about 15k on this loan that we...