Hi Rich, I only thought about putting the cash down if i decided on a different lender… I take it im better off leaving the money in my offset account or paying it off my PPOR – I get that now – loud and clear LOL!  Once ive done that I assume i should use both properties to calculate the LTV ratio and find a lender that has a cheaper rate than Wpac…?  OR should i just ring you in the morn seeing as you're in QLD!