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Yeah it was 'advice' from you and Aaron and so forth that lead me to do it this way She didn't say, she just looked at me like I was an idiot .... She also told me that We were maxed out and couldn't borrow anything. I pointed out that she hadnt taken several factors into consideration...

No But we are only using it for investment purposes

This is our setup Ip 1 - paid off LOC using Ip 1 as security (80%) Ip 2 - 20% deposit plus costs taken from LOC 80% balance paid by new loan using ip 2 as security So went and saw an aussie homes loans broker a few weeks back and she told me that was a bad way to set the loans...