Hi everyone, I'm hoping you don't mind me using you all as a sounding board for my brain ramblings :D When thinking about our future financials,...
Here's the scenario Have equity in an IP Create offset account using the equity Use the equity to buy dividend paying shares. The interest is tax...
What is the ideal LVR for a PPOR purchase with possible future conversion to an investment property? I feel like I read somewhere that the answer...
Just sold another car (down to 3 now!) and once again have a lump of cash to add to the offset. And as usual, no change to the monthly repayment...
I'm toying with fixing some loans with Adelaide bank. I used to have a fixed loan with Bendigo and they used to take into account the offset...
So, I have the following loans: - Line of Credit 2.85% - Limit $250k with $100k available - IP Loan 3.14% fully offset by $220k in savings - IP...
I currently have 200k in offset on the OO loan since it is non deductible debt, however with the recent drop in fixed rate for OO at 2.29% would...
INFO: FHB looking to purchase PPOR with partner, live in for a couple of year before making it an IP and buying new PPOR. I have engaged a...
Do they exist ? Does anyone know of any lenders out there in Australia that allows an offset facility for construction loan ? Offset facility...
Hi All, My partner and I are looking to buy an IP on the east coast. We dont currently have a PPOR as we may not be staying in Perth long term. We...
Hey everyone Just a quick one, given Liberty is not a ADI, is their offset doesn't have an account number as such, is this still recognised as...
Hi Team, Just wanted some input regarding this situation: - No PPOR, 2 IPs - IP 1 just reverted to P&I (after 5 years of IO) 400k at 4% - IP 2...
Hi all, I've just been advised that my interest only period on my PPOR home loan is due to expire in a couple of months. Currently this loan is...
Hi Everyone, I know it may have been asked before but i just want to know where is a better place to put extra mortgage repayments? Is it...
I called my bank yesterday to ask about opening an offset account against a loan to sit some funds in for a few months. I said "I know I can...
I have the following scenario. I applied for a loan, bank processed it and transfer the money to the offset account of that loan. It took me 3...
Hi there, Reaching out to the mortgage brokers (@Jess Peletier, @Jamie Moore @Property Twins etc) on this great forum to see if the following can...
I'll try to keep this as simple as possible. I had a PPOR Loan for $200k. with heaps sitting in redraw, reducing the loan to $120k. The sum...
Anyone done it before as a way to minimize PPOR mortgage repayments and have more cash flow available? Not sure if it's even possible in...
Hi folks, Anyone know of any lenders who allow this? There's a story I found in the following link that mentions "flexible" fixed-rate loans that...
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