Hi Amazingjeffrey,Not sure if i have misunderstood your question and my apologies if I have.But from my understanding, (assuming your lender requires a 20% deposit/ 80% LVR ratio which most do), your 20% equity needs to cover BOTH purchases.For instance, in your situationDebt: 320kValue: 400kEquity: 80k (20%). This equity is only enough to cover…[Read more]