I'd talk to an advisor about your particular circumstances. Banks seem to be a bit tricky at the moment so you might be better off waiting until you sell the investment (or have tenants in it). I know of three desperate cases where the bank has knocked people back on home loans (myself included) for no apparent reason. We have 20% deposit and could smash the repayments. Friends sold their house and business and have no outgoings with a lot of money in the bank - they got knocked back. Third case the loan was approved and then knocked back two days before settlement. So given your circumstances are a bit different, it'd pay to get some advice from the bank you plan to go with.