Hello everyone, I needed some general advice regarding clarity on offset account statement. My sister has a home loan (her outstanding loan...
if you are able to afford to pay off a house in cash, but wanted the flexibility of having access to the equity for future investments. What are...
Hi team, I would like your opinion on the following: Question: What should I do with this fully offset investment loan? Background: Investment...
Ive had a offset for years but with talks of rate hikes im wondering if im better off fixing my loan ? Its a investment but its a offset loan ,...
Our final IP will settle next week with excess capital after accounting for all the mortgages. Can I get an idea of the pros and cons of putting...
Hi All, Has anyone had an experience with the offset account that comes with Liberty Star loans? When I spoke to their service desk, they advised...
I have an ANZ home loan account with redraw facility. I've paid off the loan to the last few dollars so that I can start using the funds...
Hi guys. Looking for some advice. I am going to split my loan. Fix most of it for 4 years and keep rest in variable. Loan Amount 590K Current...
I have a tax question related to investment loan. I got really confused and yes, I will be talking to tax accountant, but just wanted to get some...
Having a bit of a dilemma deciding if we should go with P&I or IO for our 2nd IP. From reading the PC forum and podcasts such as The Property...
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...
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