Now I wonder if it will be worth me trying to get the loan refinanced as Rob touched on? The reason is that we only just a few months ago got our mortgage for this property moved over from our other bank to refinance an IP. So we got a package with the new bank and now they have the PPOR & the IP although they are separate loans, not cross collateral. So we had to pay exit fees etc for the move and now if we get a refinance then I guess we would have to pay exit fees again even if we use the same bank! But maybe we should talk to another bank and see if they would revalue the PPOR (soon to be IP).