refinance IP loan with overseas income?

The debt on my current IP is leveraged to one of the big 4 banks- for the last 12 yrs interest only thus far. I owe 190k and conservative estimate of sale value on house is 550k.



I receive $525 per week rent from the IP and have no other debts in oz. I have a couple of credit cards with big limits but can reduce them prior to refinancing.



I live abroad and earn the equivalent of $1000 a month. Can prove this with bank book and work contract.



I want to refinance to remove old garage and construct new one $20k and purchase 10k worth of dividend producing equity shares ( and thus claim tax deduction for this).



I am aged in early 40's.



I have savings in bank and this is my other source of income which can be proven. ($1300 a month interest earnt per month).



Can any NSW based mortgage brokers please advise if its likely a bank would approve refinance + additional funds (total loan $220k) based on the rental income, interest income and overseas income?



I want to borrow the 30k addtional funds to reduce my tax bill each yr.



Also, if I proceed... does the bank have reporting rules to ATO re my overseas income. I currently dont mention this on my tax returns.



thanks

refinance IP loan with overseas income?