hi.. need some clarification on this, I plan to refinance my house.. from.. so indicative valuation is 680k..

i need to know th effect of cash out portion for my next property purchase..

Example if I settle my current mortage it would reflect as below:

earlier mortage value, 322k.. so 90% of 680k.. would be 612k... so the breakdown as pe below...

Property 1
Loan 1 - Settle to Bank A - 304k (calculation of new loan = at 4.4% for 30 years = 1612)
Loan 2 - Cash out from Bank B 308k- (calculation of new loan cash out portion = 308k at 4.4% for 10 years = 3177 but if I take 30 years it become 1524..

So when buying the next property.. will the new bank..let say bank C.. see this as 4789(1612+3177) or 3136(1612+1524)?

this is the part I am stuck...

Thanks Jasoncat for your valuable response...