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thanks toony :) awesome advice We're directing all of our savings into the 100% offset account against the PPOR loan. Can this be considered the same as paying down the PPOR debt? The intent is to keep the property as an IP after we move out. Will there be any issues from the taxman...

Current situation (revised): -both earning median sydney salaries -IP#1 purchased '07, market value $370k, ~70% LVR -IP#2 purchased '09, market value $280k, ~75% LVR -IP#3 being purchased, ~$350k, 97% LVR -1 PPOR purchased '09, market value $380k, ~75% LVR -$100k in offset account Still...

Not exactly...we knew we'd need to upgrade as soon as the kids arrive. I thought it would be good to put something in play now...rather than have to compromise on the family home because all our money is tied up in IP's. Thanks for Option C. I'll do some reading up on selling costs...

Yes I agree, a 500K house would be a bit of a stretch due to lower yields...but at the same time I'm afraid of being locked out of this suburb for my future PPOR if prices continue to rise. If I pursue this option I'll: a) Have tax advantages to minimise negative cashflow...estimated at 10k...

Thanks for your replies :) Owning my own place ranks very highly in terms of priorities. Ideally I want a balance between dream PPOR and investing. Dream PPOR for us represents a modest house in the Hills. We can always renovate or remodel the house later on when funds permit. We started...

Hi All! Looking to get some help on this one... To help me expand my understanding of option B, what is a common strategy that people use to leverage IP's to buy into their dream PPOR? Thanks! -J

Hi All, I'm in a bit of a dilemma at the moment...hoping to get some advice on what I should be doing to turbocharge my wealth creation, but at the same time making sure I secure a quality home for me, my fiancee and future family. Current situation: -both earning median sydney salaries...