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your circumstances look ideal for an SMSF facility IO with offset ta rolf

I will butt in............ 25 k in offset isnt really the target market, or the vision. 50 to 100 k in offset now and or rapidly building into the future. for those that want to pay the asset down a basic loan may be a better proposition.............but as is often the case peops...

Da Rock and AMP do them as well Once you understand no cash out or no cross equity in SMSF you learn to love IO and offset. most of the lower priced end of town is either fixed, r works around much yuk commercial process. ta rolf