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I don't have a PPOR and won't be getting one in the next 6 years (besides the one I will live in for a while soon). Stamp duty in QLD is double for an IP so it will make a big difference to purchase costs. I just don't understand how they determine how long is long enough to stay in it for...

Thank you for the replies :) Jamie M - Why is it best to link an offset to a PPOR loan? Also - how do the banks know if the property is going to be a PPOR or an IP? I guess the mortgage broker tells them when applying but what if you apply for an IP loan (so they lend you more) and then...

Hi, I have a couple of questions if someone could please help :) 1) I'm currently applying for finance for a unit I put an offer on on the Gold Coast (Tugun beachfront). This is my third IP. Although I've been through the buying process twice already I'm still a little unsure of how to...