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Yes, the full limit has to be included in what you disclose on applications. Talk to your broker he will help you plan out which order to do applications in with each bank for the best effect on the calculations

Don't touch the existing loan. Just take a new loan from the same bank secured against the same property. The two methods are line of credit, or loan + offset. There is a 3rd method where you buy the property with the same bank and cross-collateralise but you don't want to go there...