I am getting myself really confused and just need some clarification on the type of loan product to use. Basically what I am trying to do is: 1. Use the equity in my PPOR which is fully owed and worth approx $500K and borrow say $400K against it 2. Use the $150K I currently have in cash as my cash buffer and offset this against the loan. 3. Use the borrowed $400K to buy units in my HDT for investing The problem I have is that if I get a traditional LOC and deposit the $150K in it every time I use part of the $150 it would be deemed as for personal use unless I use it for investing. I guess I was thinking more of a traditional IO loan with an offset account. That way I could use the $150K as I see fit. Am I just overcomplicating myself??