PropertyInvesting.com | Rachela | Activity https://www.propertyinvesting.com/members/rachela/activity/ Activity feed for Rachela. Tue, 14 Apr 2026 22:59:17 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 53ea39f7c09e086b98ee39435cff2980 Rachela replied to the topic Accidental Investor - best loan structure? Pitfalls? Help! in the forum Help Needed! https://www.propertyinvesting.com/topic/4406959-accidental-investor-best-loan-structure-pitfalls-help/#post-4672581 Tue, 26 Jun 2012 09:53:50 +0000 Great advice in this thread – thanks everyone who's taken time to respond. Learned more in 24 hours than ever before in my life!

]]> 5c5f7a156c529107c0ac3e2175c07f06 Rachela replied to the topic Need some clarification with my loan structure in the forum Finance https://www.propertyinvesting.com/topic/4406847-need-some-clarification-with-my-loan-structure/#post-4671747 Tue, 26 Jun 2012 09:50:50 +0000 Terry – very clear – thanks for taking the time to explain. Offset it is!

]]> f35c27adf8028616a294153362b882be Rachela replied to the topic Need some clarification with my loan structure in the forum Finance https://www.propertyinvesting.com/topic/4406847-need-some-clarification-with-my-loan-structure/#post-4671743 Mon, 25 Jun 2012 12:51:27 +0000 Thanks Terry – could you explain why a redraw is different to a offset?Both my bank and my accountant have said they have basically the same effect?It is because a redraw changes the actual interest charged (that is therefore deductible) whereas an offset doesn't? Or is that completely wrong?

]]> a698e08dfc32726ecfeb0c42453b32b6 Rachela replied to the topic Need some clarification with my loan structure in the forum Finance https://www.propertyinvesting.com/topic/4406847-need-some-clarification-with-my-loan-structure/#post-4671741 Mon, 25 Jun 2012 12:15:50 +0000 I am confused about this too and had the same question.My accountant has recommended IO to me for my currently property, soon to become my investment. I understand why – but what I don't understand it, how do you ever pay it off then?I had planned to pay it off so that when I retire it will be an income stream.I have seen advice on here that says…[Read more]

]]> 6d168888372f38eb4863c70515ef364e Rachela replied to the topic Accidental Investor - best loan structure? Pitfalls? Help! in the forum Help Needed! https://www.propertyinvesting.com/topic/4406959-accidental-investor-best-loan-structure-pitfalls-help/#post-4672578 Mon, 25 Jun 2012 12:07:16 +0000 Thanks Richard, I appreciate the advice.Yes, I can see that a planned out strategy would be preferable in every way! I am not sure what, if anything, I can do to improve the situation now – I certainly don't want to be signing up to a loan that isn't the best one for my circumstances, so I will ask the Bank if there is another way and explore…[Read more]

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