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as long as this place is of service and you are implementin what you learn many dont ;( ta rolf

nice : ) see what a little internet forum can work for you ta rolf

doesnt need much luck, just a decision and then action :) ta rolf

im baaaaaack 322 PI over 30 years at 7.7 has an average monthly repayment of 2320 approx 322 PI over 30 years at 6.9 is 2121 Difference of 200 a month, just on the product interest if you were to go across to the 6.90 offer from the independent broker and pay the same as on the ING...

cool let me re run the number using my model MRP with an extra 1700 a month in repayments I will be right back : ) ta rolf

U said back to numbers.............Where are the numbers :) I think the only sweeping going on is the huge TRAIL commission thats being generated by that nice extra fat margin :( ta rolf

Hi PL Its a foundation. But what you build on that foundation may not suit your actual needs, wants and risk profile. Id suggest you sit with someone and expand on your ideas of risk reward, and what you really want, what you are willing to do and risk, and what your longer term goals...

Not enough data in the fuzzy details and logic, eg your money habits mid and long ter goals etc but. A vanilla model PPOR on IO with 100 % offset secured only to the PPOR Separate loan on IO with redraw for the depsoit and costs for the IP secured only to the PPOR IP loan IO secured...

Hi pretty much on the wagon ! If your independent broker is using the term Cross security (and not spitting on the floor at the same time) :) , then maybe you also want to think about finding someone that doesnt have that mindset. My life experience is how someone shows up in a particular...

Hi PL I will do some quick sanity numbers with you :) You may not need an accountant per se on the MRP. 322 PI over 30 years at 7.7 has an average monthly repayment of 2320 approx 322 PI over 30 years at 6.9 is 2121 Difference of 200 a month, just on the product interest if you...

thanks whats the total PPOR loans pls and the approx value ? ta rolf

Hi Parlay When is settlement ? What sort of property ? ta rolf

No need to compare numbers Ive only been doing this for 12 years :) the 100 % offset option at 6.89 with allied interest free credit card will blow the ING product out of the water in ANY cashflow analysis. THe ING product you are on has a flexible trail comm structure, hence the rate...