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  1. A

    Structuring finances to maintain tax deductability

    I think you should ask your accountant to clarify. A better use of the offset money is to use it to pay off a bit of the PPOR loan, then redraw it out straight away to pay for the 20% deposit on a new IP.
  2. A

    Structuring finances to maintain tax deductability

    Credit hits are an issue because it all counts towards credit scoring. If you have huge net assets and income with low LVRs then it is less of an issue but if you are going for LMI etc it is a lot more critical for getting finance.
  3. A

    Structuring finances to maintain tax deductability

    Put the money from the offset account into the loan itself. Create a new loan split for the 20% deposit+costs and redraw it when you need it.
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