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Thanks for the post, on PPOR to more easily get new valuations and take additional capital out I would have thought the best way to structure is where PPOR loan and deposit loan are with the same bank. And perhaps the new loan is with different bank to make servicing and borrowing more flexible.

Right so this would be two separate loans on PPOR, and then a third loan as the main mortgage. This may for example make it harder to unlock for equity out of the PPOR because of two loans on it, possibly from different banks. Is this the best way to structure it? Also what if say you don't...

But if the existing property is PPOR the debt there is not tax deductible, this is the purpose of the authors point, to maximise tax deductible debt, hence 100% borrowing on new IP.

There's an interesting section in the latest Australian Property magazine on property investment tax bloopers, page 78. One of the points is on "paying cash deposits" whereby the writer recommends borrowing for deposits because interest on debt for investment properties is tax deductible. I...