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Can someone tell me where i find an icon with someone holding their belly in fits of laughter. fullylucky, can I just point out "luck" has got nothing to do with this mess. you have been given great advice by loads of people, but i'm sure they were all conspiring against you to get their...

One of the biggest qestions would be is this an investment or PPOR you are purchasing? If its an investment you don't want to be able to pay extra into the actual loan with redraw. This will effect you with tax deducatability on you loan. This is what your offset account should be used for.

No Tallowood my question was not directly at you. Essentially though you are asking brokers for all their knowledge and the best way to do it, then taking it back to your banker. Would your accountant tell you how to do everything properly so that you could go and do everything directly with...

When majority of brokers will not charge you for their service. But will ensure that everything is structured correctly for you (at least most of the brokers on here will) why would you not use their service. The banks will still charge you the same interest rate so what are the qualms with...

That's a very open question without knowing anything about what you are looking to do. What are you trying to achieve? Dustin McMahon Your Broker [email protected]

St george St george have gone down on their 3yr rate again to 5.39%. Interested to know other peoples opinions how lower can they go? Dustin McMahon [email protected] 0430 110 304

If there's not enough equity why not repay a portion of PPOR debt and then set up a split for the purchase? Dustin McMahon Your Broker 0430 110 304 [email protected]

Insurance I use Doug Napier insurance for all my insurance. His number is 0407772174, I'm sure he would be able to help you out. regards Dustin McMahon Your Broker 0430 110 304

why would you redraw money from one loan so it was fully drawn (no mention of setting up a seperate split). then contribute it to a loan which is for another investment property? By all means set up a variable split with the available redraw in it, but why move the funds to a different...

bad idea Obviously your bankerr has no idea about the tax implications of this. However he does have an idea of how to maximise the money his bank makes. If you did this it would make it very difficult for your accountant to work out what debt is deductable. It may be worth looking at a...

Beachside yes there may be brokers out there who are more than happy to just go with the norm. However as a general rule I think you'd find a lot more brokers out there trying to get the best possible deal for their clients, than bank managers. CBA has quite an easy process to revert back...

Are you trying to work out if you could purchase without selling IP or after selling IP. Also how much is the personal debt you talk about? If you are talking about after selling $70K would be enough deposit to purchase the property t would not be 90% Lvr because that isn't taking into...

You can get all the advice you want from here and take it back to the bank manager who has his own motive. If he hasn't got any of it right from the start why would you trust him to get it right the next time. He either didn't want to get it right at the start or didn't know how to, they are...

Insurance I would give Doug a call at Doug Napier Insurance a call. I recommend him to all my clients. He should be able to sort it out for you and ensure that you have all the cover you need in place his mobile is 0407 772 174 or email him at [email protected] regards Dustin...

I would have to agree with you Marty. Why is it everything is continually made to sound so difficult, people come on hear to seek clarification and advice not confussion. The funds are for residential investment purposes, am I missing somehing here. So you could either do as MArty said...

extra repayment calculator Richard, google loan amoritisation schedule there are many of them. i think this is what you want. Regards Dustin McMahon Your Broker 0430 110 304 [email protected]