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Amen, I started doing this myself many years ago before I was a mortgage broker. Paying yourself first is definitely the way to go ;).

I agree with Albanga. Offset accounts are fantastic for both PPOR and IP if you are not going to spend the money on things you shouldn't. It is also great if you upgrade to another PPOR later and decide to keep this as an IP. The beauty of this is you don't have to decide now since an offset...