Morning all, I have a loan along with some money in the offset account which is currently in P&I mode, with the savings at the end of each month...
How do you guys figure out if your ip would be natural or negative once put on p&i ?
Hi All, In the process of buying an IP, my current PPR was initially bought as an IP when living interstate on an IO loan, now converted to P&I...
Hey friends! Super excited - I bought a new car yesterday... As an, actually new. Not just new for me. NEW new. The average 17 yo has a...
I just did some quick numbers on my portfolio, as below: Current Debt: Circa $2m Current gearing: + $390/wk ($20k pa) (Some of my loans are at...
PPOR currently P&I variable. I called Loans servicing of ANZ to ask how much of my weekly repayment goes to the Principal and how much goes to...
Hi All, I posted the other day (Moving out of PPOR to rentvest) about my current situation. In short, we are moving out of our newly purchased...
I've got a total of $1.2M of P&I loans coming off fixed (3.89%) with St George in exactly two months. When should I get the process started and...
Hi all, Does anyone have an excel or some formula that can be used to work out whether I would be better off on P and I or IO post tax deductions...
$120bn of interest-only mortgages to go P&I The Reserve Bank of Australia has disclosed that $120bn of interest-only (IO) mortgages will be...
Hi All, I have been approached by CBA to refinance my IP early this year. They worked out my serviceability for 550k loan for PI or IO are both...
Hi there friendly forum people, I'm currently with Bankwest paying 4.94% IO which I know is pretty high. As my IO period is ending soon I'll be...
Interesting stuff and a warning to all to keep a tight watch over their finances Mortgage rejections double as interest-only reset bites -...
Hi All, Apologies if this has been discussed a million times already. What's the deal with P&I and IO loans. Lots of property investors are...
Hi there, I'm an investor who's suddenly realised (yes, late to the party) that I won't necessarily be able to keep refinancing and getting IO...
Hi, I have 2 investment properties (with no PPOR) and have an IO loan with a 100% offset account. I have had 1 place for 5 years and the other...
I'm currently paying 4.49% with Macquarie for my owner occupied P&I home loan. I've been reading you can still get these for under 4%. Is that...
I recently changed PPOR loan to P&I to save the .25% of interest, I have over half of the loan in an offset. My monthly repayment went from $1200...
Hi, so I'm hoping people can critique my thinking! Be MEAN! I've also put a few questions, in bold. So I'm finally moving out of my parents home...
Hey guys, I've read a whole heap of posts surrounding this but Im still finding my situation a little ambiguous. I'm in the process of buying my...
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