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Yes, sorry I was only bringing it back to the rent v buy argument to say in certain situations you would be best off owning your PPOR rather than renting. It would seem in most situations however, i.e. high leverage you are better off renting it and investing the difference.

But its as simple as if you have excesses of capital you buy a PPOR, if you are using the banks capital you buy IP's. 100% LVR on IP's and 0% LVR on your PPOR seems to be the "ideal" situation. I'm not saying this is a good investment strategy in the short term in terms of house price rises /...

People do not pay the same premium for views etc when renting as they will when buying. I am not sure why this is, but I have seen it time and time again? The best "value" when renting as far as I can tell is if you want to rent on the beach or on the harbour etc. It seems the high end over...

Time / Opportunity cost: Agree it is probably too often to say every 12months, on average I move about every 18 months but probably about every second one of these moves is initiated by myself or my family. I would not have said signing contracts etc is the time expense in buying property but...

I am always lost as to how this works out? Surely any equity you hold is best held on your PPOR where it is untaxed? If you have zero capital / equity sure the PPOR is not helpful but presumably by successful you mean he has got some serious equity built up? Your IP's you want 100% LVR and...

I agree. I rent and do not "save" as much as I do than if I was forced to pay off say a 600k PPOR loan over the next 25 years. My wife is keen as mustard to buy a house but she often does reflect on the difference between us renting and our friends who have bought in similar salary ranges to...

Yes the maths on a 100% or near 100% mortgage fall in favour of renting. Run the numbers again though at 50% or 100% deposit and all of a sudden due to the tax implications of where you put that money buying starts to be comparable to renting. Remember the rent saved is in effect tax free...