You mention a top up above. Is this under a separate split? if the top up was spent on things other than related to the property the interest won't be deductible so you should split the loan if not already.
Sounds like the bank has done its valuation. Do you have a copy? I would probably do another one myself as of 1 July telling the valuer the purpose. It may be a bit higher.
Keep a record of all expenses incurred while you were living there as well as most of these will be able to be used to...
