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Someone feel free to jump in if im wrong (still learning about LOC) but if you obtain one with a split facility you could use one of them for investing (interest tax deducable) and one for personal (non deduc). Then from their he could instead of putting money into offset or whatever, he...

Did it cost anything to set up a LOC? I could only presume a fee for a re-valuation of the security (property) that backs it. Cheers RH