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Ive had several 3 yr fixed rate loans in the past and time does pass quickly. I plan to hold onto the house for longer than 5 yrs as the rental yield is really high on this IP

Im about to refinance my 190k loan and get extra cash (probably up to 250k total loan amount) to replace an old garage and purchase dividend shares (thus reducting my tax bill). I need to slightly increase my debt to avoid having to pay quarterly tax. The rent Im getting for this IP is quite...