Hi Forum, here is my question. My loan settles on the 10th of this month and I have calculated that with holding costs I will be negatively geared by about $170 per fortnight. Should I pay $5K on my loan in the first month, before loan interest kicks in, (my loan has this flexibility) to avoid this ongoing payment each fortnight or should I keep the cash for my offset and then use it later for another purchase? At the moment I am able to save $1K per fortnight as I only pay minimal rent but this situation is only temporary. The $170 is not such a hardship and I will get a pay rise soon but I assume for my next purchase it would look better to the bank. Would love some advice.