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Yes that's right.

china - there are two types of home loans. Term Loan - this is your standard home loan with 30 year life and 5-15 year interest-only period. This is the cheapest/most common loan and if you pay it back early you have access to redraw and/or offset. Line of Credit - generally more expensive...

Yes it is....which is what I would generally recommend in any case.

china you are good to go. Keep looking, something good will eventually come up. Sometimes good stuff doesn't come up for months.

But it's just that - theory ;)

Just one thing china - if the property is a good one do not be afraid to pay a price for it. Obviously less is better but the quality of the property is what dictates growth.

LOC is a fancy name for a home loan.

Oh china....I think you just need the right push.

If I turn up and like it, I buy it...but I guess the first one is the hardest.