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Being let loose from a branch on the wider market is concerning based on my experiences when I have had no choice but to send a client in to get "help" usually due to bank policy (ANZ) or remoteness. Almost with out exception ends in confusion and undermining of my advice. I have mitigated...

Their mentors are also responsible. I speak from experience as I was taught the same things when I first started :eek:

1. Tax deductions will not be your issue it is the extra LMI you will pay now and in the future if you need to access equity due to x coll. There are a raft of other issues involved with x coll and a search of the forum will reveal all. 2. Go IO either way and use the offset to reduce...