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    Question about IO PPOR Loan with Offset

    I agree with alex. Transferring the PPOR to/from your wife's name can be done any time for very very minimal cost. It can even be added back to your name later on if you change your mind. The most important thing is to get started investing early - because of the miracle of compounding...
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    Question about IO PPOR Loan with Offset

    It's always nice to have the PPoR paid off in full!
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    Question about IO PPOR Loan with Offset

    Yes that is correct (if you wanted to do that). But why do you want to refinance? To buy an investment property after paying off your own home?
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    Question about IO PPOR Loan with Offset

    1. If you refinance the PPOR, that doesn't make it deductible. The only way to turn PPOR debt into deductible debt is to pay it off with cash, then refinance and use those new funds to do investment activities. 2. If the offset is more than the original loan amount, then you pay no interest. You...
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