Thanks for your help. To cover a couple of the responses:-

All my mortgages/investment loans are all stand alone with the same lender. I have never used as yet collatoral to buy.

The owner occupied home is PI and the investment properties are interest only.

I suppose what I was trying to establish is if it is possible for me to move some of the debt from my home loan over to the investment loans. That way I pay less as a total sum on repayments and can claim more against taxation which would help recover some of the costs incurred with the negative geared property. e.g. decrease borrowings on home loan by $100k and increase on investment loans by $50k for each loan.

How would the tax office view this, is it possible and would it incur high admin charges from the bank?

Regards
Wendy

Wendy Jones