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I currently have a LOC on the mortgage for PPOR which is turning into a IP (dont you love the all the acronyms), do i need to refinance to make it a IO offset account for easy management? or can i continue to use the LOC? From what i researched the offset account is the way to go, but if i...

Hi everyone, just joined and Trying to research whats the best thing to do for my current situation. We have just moved into a rental property (paying $580 a week for a 4 bedder) in a suburb we wanted to live in after being in our PPOR for the last six years (in chipping norton), in which we...