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The 5.79% is a bit high so negotiate a lower rate particularly with the new purchase and that your LVR is under 80% on both borrowings. LOC is fine but don't contaminate the borrowings/purpose. Regards Shahin

Get an upfront valuation done with a few lenders to understand the equity available. Its quick, free and if satisfactory you can use it in the application. Assuming that the property is worth $420k and you have a loan of $210k - you have $126k in equity at an 80% lend. I would opt for a...

Its in the banks interested to tangle you as much as possible making it more difficult for you to leave them and give them more control of your assets. Whatever you do don't cross securitise the properties. Regards Shahin

Classic advise from the bank and classic case of cross securitisation. You may get your "100%" finance but set it up as a standalone facilities and do not link the properties. Regards Shahin