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I have trust issues with all of them LE

Yes, they don't have much else going for them. Thanks

Thanks Peter, I am coming up to 64 so will stop the accumulation phase in the next few years. I would be interested on your opinion on fixing the rate LE

Thanks, I am trying to keep things simple, my accountant fees are high enough. Notwithstanding the above, I might have to get advice. LE

Thanks Peter, I am not sure what you mean by "LORD" calculation. I have the IPs in a crossed loan and the PPOR with an offset. LE

Yeah. Low valuations and variable interest rate of 5.38. I am sure I can do better in this environment. I have been tempted to lock in at 4.59 fixed, however, with rates not going north there might be a possibility of them going south so I am hanging on LE

Thanks Terry, I know what you are saying and to the financial institutions it isn't unencumbered but to me it is. I can pay it down anytime I like and I have excess funds coming in each month and any excess goes to the investment loans. LE

I have kept the properties crossed basically because it is easier, I take one statement to my accountant each financial year. I get visibility on the loan by looking online. I appreciate what you are saying, I am with ME Bank and not only are they no frills (no interest in advance payments...

Thanks, I was thinking of just having the crossed investment loan properties value reassessed and borrow against the increased equity. I am not sure I have to uncross. LE

Lvr Jamie, For future investment. I am looking at Brisbane. I haven't borrowed against my home in the past. I have a cross collaterialised loan with ME and a PPOR with an offset. My home has a debt of $400K and I have $400K in the offset and any excess each month I place into the...

Hi, My PPOR is unencumbered and I have investment properties with a LVR of 50 percent. I have been assessing the LVR without taking the unencumbered PPOR into account. When working out the LVR of the investment properties do investors take into account their home? If I put my home into the...