Hi all, Current situation: Property 1 - Is an OTP and will be our PPOR when completed by March - Will be opting to get an IO loan with offset attached. - Will rent out this property in 7-10, years time when we eventually move to a bigger home as our family expands - The loan on property 1 will be under my name only. Property 2: - Currently living in a 2 bedroom unit as a current PPOR. Will convert to IP as soon as property 1 is complete and we move out. - Currently IO loan, no offset. - Property 2 has $215k owing. Estimated value of property is $360k. - Property 2 loan is under my wifes name only. Is it possible to use the equity in property 2 and 'park' the funds into an offset on property 1? If its possible, what would be the best way to structure this? I don't want to x-coll and our main goal at the moment is to reduce our monthly repayments on property 1 down to $1 per month. I'm hoping there will also be no tax disadvantages or even some advantages in doing this. Thanks all, and have a happy new year!