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Because it's for an IP. Better off keeping your cash against your offset, either against PPOR or even still ok against IP. Either way taking money from offset (cash) or equity will net the same result. But future and current tax can be different.

Old A/C went in my Elizabeth East property, tenants wanted it replaced which happened just before renewal along with a $10p/w rental increase. They were happy so was it. Win-win.