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Thanks for all of your replies. Like I said at the start......bit of a novice. Work for a govt agency and the SS agreement in place specifies that IP loans are one of the options available. One of the guys in the office has been SS'ing into a IP loan account for the last three years...

Come on boys and girls.....treat me gently.......like I said....first IP. Concessionary.....rebatable.....? I promise I will not take offence if you treat me like a doughnut.

I assumed it was double dipping.........why do you think it is listed as one of the SS options? A visit to the accountant appears on the cards before adding signature!!

Good evening, I am about to embark on my first IP and have been lurking around this site for months devouring every snippet of info. Have got pre-approval sorted and am chomping at the bit. I was made aware last week that I am able to Salary Sacrifice 50% of my wages into the loan...