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Sha who posted above is in syd and knows his stuff Personally I'd suggest no cross and then io with 100 %offset on the new poor That is pi at your option Ta Rolf

They are cert 4 and diploma trained Ta Rolf

With standalone loan of 85 % lvr the other props dont need to be involved at all. However, you may be ableto raise a little from the IPs with minimal LMI cost and get your new LVR down to80 % thus saving LMI. On the surface, that may be attractive, but may not be the best solution...

Probably But you'd need the lmi providers on your side, and the existing lending would best want to be with a lower serviceability lender. Ta Rolf