PropertyInvesting.com | InvestmentPupil | Activity https://www.propertyinvesting.com/members/investmentpupil/activity/ Activity feed for InvestmentPupil. Fri, 03 Apr 2026 18:45:35 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 15b4221112a2a28634c21e238d82e3a9 InvestmentPupil replied to the topic Rental income into PPOR, any tax implications? in the forum Help Needed! https://www.propertyinvesting.com/topic/4401632-rental-income-into-ppor-any-tax-implications/#post-4634801 Mon, 25 Oct 2010 04:52:50 +0000 LOC – Line of Credit.

It’s when you take out an overdraft facility up to an approved amount based on the available Equity in your Property (minus the amount owing).

For example, if you property is worth 300K and you owe 200K, and you take out a LOC. You have up to 80K to use ((300K-200k)*80%). That 80K is just like a credit card but secured…[Read more]

]]> 409f53ed40d6d48f8efe23b0a4f4e124 InvestmentPupil replied to the topic Rental income into PPOR, any tax implications? in the forum Help Needed! https://www.propertyinvesting.com/topic/4401632-rental-income-into-ppor-any-tax-implications/#post-4634799 Mon, 25 Oct 2010 04:47:58 +0000 Ben – I believe so, otherwise they won’t be called a Bank and but instead a Pot-of-Gold-Free-4-All :)

AM2778 – Not sure why you’re not having your repayments coming direct from your offset instead? (if you’re paying off your LOC loan with your LOC, you’re capitalizing interest are you not?). I think ATO does not like that…(could be wrong)

]]> 24a7c206a6a4a18d3da1250fdc9d092b InvestmentPupil replied to the topic Rental income into PPOR, any tax implications? in the forum Help Needed! https://www.propertyinvesting.com/topic/4401632-rental-income-into-ppor-any-tax-implications/#post-4634795 Mon, 25 Oct 2010 03:12:33 +0000 btw –

reducing the interest payable = more goes into the Principal = sooner you’ll build more equity = opportunity to leverage and buy more :)

(assuming you’re on a PI loan)

]]> ba82425240245b01c5587659e022761f InvestmentPupil replied to the topic Rental income into PPOR, any tax implications? in the forum Help Needed! https://www.propertyinvesting.com/topic/4401632-rental-income-into-ppor-any-tax-implications/#post-4634794 Mon, 25 Oct 2010 03:09:57 +0000 Hi Ben,

I believe “Quazi” means an Offset Account where only a portion of the balance is used to reduce the balance of the loan (as opposed to the whole lot – 100% offset).

Cheers

]]> c13fc5a272d1e154ac4374809f5756a2 InvestmentPupil replied to the topic Rental income into PPOR, any tax implications? in the forum Help Needed! https://www.propertyinvesting.com/topic/4401632-rental-income-into-ppor-any-tax-implications/#post-4634793 Mon, 25 Oct 2010 03:06:59 +0000 G’Day V,

350pw in rentals is pretty good for a “small property” :)

Money put in your Offset Account will be deducted from the balance of your PPOR home loan and reduce interest payable. If it’s 100% offset, then the interest payable will be based on: (Current Loan Balance – Balance in Offset) x Interest Rate. The interest is typically calculated…[Read more]

]]> 08125503122a945c7b285a56023e6e15 InvestmentPupil replied to the topic First time poster, long time visitor in the forum Thanks Richard/Ryan...still https://www.propertyinvesting.com/topic/4401496-first-time-poster-long-time-visitor/#post-4634008 Fri, 15 Oct 2010 09:46:32 +0000 Thanks Richard/Ryan…still a long way to go.

Good to know its not illegal.

The variable part it 100% offset already so not paying any interest at all. Switching that part to IO will have no affect lol.

Thought about breaking the fixed loan but that will incur high penalty fees so ive decided to wait it out.

Richard – with IO equity loan, that…[Read more]

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