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  1. The Y-man

    refinance PPOR, rent it out and then negative geared

    This is where it all goes wrong. You have now "borrowed" (the refinance is seens a a new loan) to buy your (new) PPOR. So no tax deductibility. If you stayed in your current PPOR, then buy a IP with the refinacne/draw down, then you can claim interest costs. The Y-man
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