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Thanks guys. The trouble is I don't have an offset, only redraw on my current loan (ubank). Is there a way around this if I refinance later?

Hi all, Awesome forum, I've been trawling for weeks - some really good info here. A quick question if I may: I'm thinking about subdividing my PPOR in a couple of years and building a couple of townhouses. I will have a bit of capital soon, and I was thinking about parking it in my...