To be honest, I have already been regret to change my interest only 100% offset to 2 year fix as I thought 3.88% is attractive, but for a long run, it won’t be helpful, i definitely change to variable rate when is finished.

thank you for your response.

what do you think of the strategy of only pay for interest for owner-occupied home, and put the money in the offset account? is it better for future investment property? how about line of credit loan? how it works? very confused when I watched people talking about? will LOC help pay off mortgage faster…[Read more]

i bought my first owner-occupied property in Melbourne about 1 year, 80%LVR, P&I fix rate. it increased value about 100k, should i start to buy first investment property? what is the best loan structure? and does anyone have good mortgage broker recommend in melbourne? thank you very…[Read more]