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yes richard, thanks for that. i am new into IP... :) i think having a LOC, buying IP, i do not have to be locked to the same bank. my PPOR is with CBA, LOC with CBA too. but i can shop around for better deal... i think that is an advantage too. in the end, i am still with Cba to keep...

Hi, congrate 2atonce. Wife and I in the similar situation (2 at once and 1st time too). CBA lender advises us to x col as they know nothing much abt tax return. what i have done is to use our PPOR and get a Line of Credit from the PPOR. the LOC will solely be used for IPs only. interest...