PropertyInvesting.com | zeph34 | Activity https://www.propertyinvesting.com/members/zeph34/activity/ Activity feed for zeph34. Mon, 13 Apr 2026 18:15:05 +0000 https://buddypress.org/?v=2.8.1 en-US 30 hourly 2 d5e8b9a1112cacc3e726f6764e72950b zeph34 replied to the topic Loan w 100% offset account in the forum Finance https://www.propertyinvesting.com/topic/4401072-loan-w-100-offset-account/#post-4631072 Wed, 01 Sep 2010 23:12:35 +0000 Thanks for the replies, I’ve started looking at the other major lenders (presuming ANZ, Westpac etc?). I have found that Westpac has a “Rocket Investment Loan” that has an offset account and a 0.7% discount when you get their package, which works out to be $0 application fee, $33 per month, rate of 7.51-0.7=6.81% (making BW or Homeside a better…[Read more]

]]> b839380d14c282f46e174d49375737b6 zeph34 replied to the topic Loan Structure Help – Still Live With Parents in the forum Finance https://www.propertyinvesting.com/topic/4401016-loan-structure-help-still-live-with-parents/#post-4630789 Wed, 01 Sep 2010 07:18:42 +0000 Terryw wrote:

zeph34 wrote:
If I get an IO loan, and pay only interest, but put the extra part of the repayments into the offset account, the end repayments would be the same (obviously they would drop considerably if I put more than just the "standard" repayments into the offset)?

This would be correct in terms of interest payable – in…[Read more]

]]> 24e34350149d5d2903f76dc0e7205f4d zeph34 replied to the topic Loan Structure Help – Still Live With Parents in the forum Finance https://www.propertyinvesting.com/topic/4401016-loan-structure-help-still-live-with-parents/#post-4630787 Tue, 31 Aug 2010 22:48:59 +0000 This is interesting, because it’s almost word for word my situation (live with parents, 280k house, 60k deposit, first home/ip etc). I have decided that I will be getting a loan with an offset account, but I’m planning on holding back a bit more of the deposit (about 20k) and getting a slightly larger loan, and then sinking the excess money…[Read more]

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