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Thanks a lot for organising these type of things. I'll try my absolute best to attend on 22nd July...since I have a fair way to travel, hope it would be ok if I can make it by 7pm? Thanks....also any costs involved?

Yes, NRAS is not bank's favourites...I seem to have learnt that just recently! Atleast got a couple of non-nras under my belt, so that should help in the long term. So I guess, my options are to either reduce the debt (increasing offset buffer rather) in the next 3yrs (my fixed interest period)...

Terry, All deposits from genuine savings. Paul, not that much capital gains as they are all only a couple of years old max...I would say none that will let me refinance without paying LMI...so yeah...little bit of a tight squeeze at the moment, but hopefully in 6months to a year, things will...

Are you living in No. 3? I did for 6months, but now renting elsewhere. Plan to go back and live there before 6yrs expires to avoid CGT. any cross collateralised? No Where is the offset account? Against 3 (i) - so the P+I loan has offset against it Variable rates are a bit high...

First of all, you are in a wonderful financial position Lenka! You are NOT late to the game at all, you are far ahead...but of course take caution with every step forward... If I were you, I would keep as much of the 300K cash as possible in 100% offset as a cash buffer for unexpected...

Hi all, I have 4 IPs now with following structures: 1) WA - loan $360K - estimated value $420K - IO Fixed for 3 yrs at 4.84% 2) NSW - loan $410K - estimated value $520K - IO Variable around 5.16% 3) NSW - split loan - (i) $185K P+I, fixed at 4.84% for 3 years (ii) $260K IO, variable...

Hi all, My first post! I'm looking at buying an IP in Bells Reach (South Caloundra) - any comments on if its good or bad move in terms of ease of renting/capital growth prospects, and any other issues (heard rates are very high here?!) Anyway, been reading through few other threads...