Thanks Nos1, and of course that's next months, not next moths… blasted fat fingers.

Gidday Julito,Firstly, the rate you have is okay if the loan is full featured, but it's a shagging if it's just a basic loan.You can get a number of pretty good pro-packs for similar money and less. Most of these would execute your 'top up' for a couple of hundred dollars, so I am guessing you're on some kind of basic or intro (which is are v…[Read more]

"Another general rule should be to write down the value of offset features for investment based borrowings, because there is no tax advantage, so you are only reaping the spread (which, admittedly, has been getting fatter over the last 18 months)."Sorry, what I meant was to make sure you don't get sold too heavily on offset features/facilities for…[Read more]

Gidday Nos1,As I brace myself for the newbie flaming offer the following thoughts (new to this site, 22+ years in property).There is no particular loan product that can be generally promoted as the ideal for either of these strategies. However there are probably several needs that arise from your individual strategy, which leads to turning…[Read more]