thanks QLDs007, it was a mistake by the bank (and me, lack of experience), both IP was held as security for the investment loan, when one is sold, investment loan decreased to keep LVR. but i did informed them that i can provide security with my house, but their back office didn't do that way.

i am thinking to set up a trust and then purchase IP #1 from us (so we can reduce loan on my house), is this a good idea or there is something better? i don't have experience with property investment, but at the moment, the rent is ok to me.

you talked about 'full fact', what kind of information you need to know?