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Thanks for the info. The professional package only has the IP loan and credit card. Not that I wanted a CC but they gave it too me anyway, so I guess I'll use the black piece of plastic or plastics (Mastercard & Amex). Mainly for the 0.90% discount and higher LVR than St George.

Hi Am I able to instruct my solicitor to take out their fees and any other loan fees from the IP loan account? Ok, I can probably instruct them but will this taint any deductibility of loan interest as I assume the conveyancing costs are capital costs and not tax deductible. Loan fees...