Hi All, Just looking for some advice - my husband and I are under contract for a house purchased with our SMSF using a limited recourse loan with St George. Once that settles I am on the look out for an older style unit in the early 300k Penrith area. My question is should I use equity or savings? At present we are with ANZ for our ppor but we fixed 80% of our loan for 5 years approx 1.5 years ago. Total loan is 384k with 80k in offset. No car loans but my hubby bought a boat with a good loan rate and there's 1.5 years left approx 10k owing. No other loans. Income is 140k combined not including overtime with 2 kids. Ppor in current market value approx 720k. Will the fixed home loan make it hard to use equity? How would we extract equity or would it be better to use some money from the offset for a deposit? Thanks in advance, your kind help is greatly appreciated!