https://www.propertyinvesting.com/members/auhealth/activity/ Activity feed for auhealth. Sat, 11 Apr 2026 04:44:33 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 5e648245da0ecc0b0630549acf82432c https://www.propertyinvesting.com/topic/4404589-loan-structure-and-tax-deductible/#post-4654884 Thu, 01 Sep 2011 14:06:33 +0000 Hi, guysThank you so much for helping me understand the problems and providing me the solution. I understand that one mistake I make now may cost me thousands in the future. Just wanna make sure that I do it right and advice from experienced investors are the best! I need to talk to the bank to rearrange me loans first as you guys reco…[Read more]

]]> e5f1da4bb76ec704bca86295db5486ee https://www.propertyinvesting.com/topic/4404589-loan-structure-and-tax-deductible/#post-4654880 Thu, 01 Sep 2011 00:33:12 +0000 Qlds007 wrote:
Hi SRThe ATO apply the "Purpose Test" irrespective of the security used to obtain the loan so as i have posted many times before you could secure the new sub loan of $100K on the security of a pogo stick and if the funds were to be used for investment the interest would be deductible.You would link the offset account to the non…[Read more]

]]> c7604b31c3a01b65eb0b602eeb03f1c2 https://www.propertyinvesting.com/topic/4404589-loan-structure-and-tax-deductible/#post-4654877 Wed, 31 Aug 2011 15:10:23 +0000 Michael,Thank you for the explanation. Now I can see the problem. So if the loan is interest only, and as you guys suggested, never pay extra into the loan. the extra money will alway goes to the offset account, is it still accaptable to claim 1/4 of the interest paid for the whole loan tax deductible in ATO's view?Another one problem I can see…[Read more]

]]> 5c2ec0d4a653c63c62d3d824091dc2cc https://www.propertyinvesting.com/topic/4404589-loan-structure-and-tax-deductible/#post-4654875 Wed, 31 Aug 2011 14:39:02 +0000 That is the part I am confused. What I meant is after top up, the bank increases the loan amount from $300,000 to $400,000 for Loan A (PPOR). The increased $100,000 aomunt in Loan A is available for me to redraw and used as deposit for IP. Is this a problem from ATO's point of view?

]]> 8c5a5e68a70c0320eedc89f5bc8eff59 https://www.propertyinvesting.com/topic/4404589-loan-structure-and-tax-deductible/#post-4654873 Wed, 31 Aug 2011 14:18:22 +0000 Thanks you for answering my question. For the TOP UP option, I still don't understand what you meat by contaminated the loan. In Loan A, $100,000 is used for investment (for purchasing IP), so the interest paid for that portion should be tax deductible. Is that correct?

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