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Should really be discussed straight away. Some things can't be changed retrospectively, but sounds like you have done ok with having offset. As mentioned above if you have some knowledge of the Adelaide market $500k will go a long way. From my observations anything with development potential...

Not sure where you're going with this post... Settlement is friday so going to assume the OP has finance sorted. By the sounds of having funds in the offset sounds like OP has reasonable understanding of correct structuring. To the OPs questions I wouldnt be buying a property solely for...