personal loan from home loan

property worth $425k
p&i loan is @ $150k

i took out a personal loan on top for $16k

i've re-drawn this from my loan.........bad mistake..............

but now i am unsure what to do as it is tax time.....moving forward i am looking to purchase a new property soon, but should i be re-structuring my current loan as well?

i've read that people split their loan in 2 if they have taken out a personal loan, but i am wondering what other options do i have? or is there a way that the bank can split my loan up??