1. Tax benefits depend on the use of the property and not the security.
2. Yes. You could make some improvements and save more tax.
3. You would need a few different ones. IO for the investment, IO/PI for the main residence with a 100% offset account attached. An interest free credit card with points and a LOC for spare equity on the main residence.

Yes Paddy. You would be saving your deposits to enable u to spread them out more.

This is not correct at all. All lenders would require a personal guarantee. So if something goes wrong both the trust property and personal property of the guarantor will be at risk.

Yep, I would avoid cross x altogether as it serves no purpose.

I don't like country towns because of the lower growth – though this is not always the case. Without capital growth I see no point in investing even if you are getting ahigher yield.

This is old system title and will be costly to do the conveyancing. It is complicated and not many lawyers these days will have experience doing it – although it is still taught in law school. Basically a good root of title has to be show. ie the current owner has to show evidence of the transmission of the land back for about 80 years.

It will probably be converted to torrens title when you regsiter the transfer but I am not sure of how this is done or the costs involved. I would suggest you look for a lawyer who had qualified many years ago.

Using your PPOR as security for the IP would not be a good idea even for a short period. It is not necessary as you have equity which you could use for a new LOC.

For subsequent properties you could use the deposits from LOC 2 and get stand alone loans. After a while you can revalue each property and increase the loan and repay the LOC the initial money you borrowed.

No reason to keep your LVR to 60% unless you just want to use Low Docs. If you have tax returns I would start off on 80% LVR loans.

You need to carefully plan ahead with the loans so that when you do hit the servicing wall you can then go to a lender and use Low Docs.

LVR = loan divided by value.

If you are going to upgrade the PPOR are you going to sell the existing one? If not maybe a strategy to save you tax is worth implementing now.

Country towns are generally no good for investing. You may find it hard to get revalues and little or no growth. Banks will not like getting too many in the one town.

Firstly, having a trust won't help with your borrowing ability.

Secondly, don't base tax advice on what an unqualified mortgage broker tells you. If you want to know what structure to use it is best to talk to a tax agent or a accountant or a lawyer before you buy. once you buy it is too late.

Each property you get will reduce your borrowing capacity. But over time your wage will rise, and rents will rise to you may be able to squeeze a few more above what you have been advised now. Probably the biggest limiting factor will be the deposits rather than your incomes.

It could be claimable outright then, better check with your tax agent.

Yes, it would work out exactly the same from an interest point of view. So it wouldn't really matter if it went into the offset first or into the loan first, the interest would still be the same assuming you leaving in the offset during this time. You would set up the direct debit from the offset into the loan.

There are probably 2 main reasons why you wouldn't put it straight into the loan.
1. The amount of rent will vary each month and in some months may not be enough to cover the loan.

2. Any money you place into a loan is a repayment. When you take it out (ie use redraw) it will be new borrowings. The interest on the new borrowings will only be deductible if the money is borrowed for investment purposes. So you should never put extra into a loan as it will cause tax problems if you want to tax it out.

If you borrow money it is the purpose that determines deductibility.

So if you use a loan from overseas and a loan from Australia and the property purchased becomes an investment property, then interest on both loans should be deductible.