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Thanks everyone! I'll do another spreadsheet when I have the time. Thanks for correcting my figures Futurist. I was pumping random figures in late at night and didn't think about them too much. I'll post results here when it's done

When you meant my 'savings would be higher since I kept my 10% deposit' - are you referring to the 10% deposit I paid on the home loan? If yes, would I be better off even if I sold the property at a not-great price? Let's say I bought a 400k property. I sell at 430k. Minus agent's fee of 1.5%...

Hi Futurist That table's fantastic. Sure beat laboriously typing in the figures one by one last night. How can I do one too with Open Office? I can upload an excel file but I want to display a printscreen like you've done. I'm going out now I'll do some calculations when I get back (ha, who...

I was trying to work out if it which would be the most tax effective: 1. Linking offset to IP loan - less interest deductible 2. Having no offset linked to IP and putting spare cash into an FD or high-interest-earning account. Pay tax on the interest earned on the spare cash. Also pay more...