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Are you aware of the tax benefits of owning a negatively geared IP? Talk to your tax agent but this can be more beneficial than positively gearing something, but there are many variables involved. Instead of paying off your loan by P&I, I would go for an IO loan but put the extra money you...

I would think that you should not put more than 20% deposit down for this place. anything extra that you have, stick it in the offset account. Then after a 20% deposit you avoid LMI. Alternatively you could stick in only 10% deposit and have some extra $$$ available to redraw to use later, at...

I wouldn't mind taking a squiz at the spreadsheet!?