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  1. Redom

    PPOR to IP loan structure - deductibility of principal paid off already

    I'm not sure i'm allowed to do this mods, so feel free to get rid of the link (i'm not related to the company below, they've just got nice diagrams via google!!!). http://www.investblue.com.au/knowledge-centre/fact-sheets/fact%20sheet-debt%20recycling1208.pdf
  2. Redom

    PPOR to IP loan structure - deductibility of principal paid off already

    Not qualified to give specific tax advice, but generally you need good cash flow properties that can be used to pay down non deductible debt. In this case: 1. OPs has paid down PPOR debt by 150k. Therefore this investment only has $375k of deductible debt. 2. Re-leverage up and use...
  3. Redom

    PPOR to IP loan structure - deductibility of principal paid off already

    Hey, If you top up back to 90%, make sure you do it in a separate loan account to ensure you don't mix deductible and non deductible debt. You can utilise a well mapped out debt recycling strategy to slowly churn it back to deductible debt in time. Best to speak to your accountant on how...
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