Hi BRWT,

Colin is right. Nobody I reckon can give you an answer to the “what is the best path to take” without knowing more about your goals and also your financials (a few examples would include: would negative gearing hurt your next purchase? Do you even intend to make more purchases? Are you after cashflow?).

A few things that may be worth…[Read more]

Great comments, everyone!

My 2c are:

1. Is the only reason the OP is considering to split the loan is to have access to offset? that’s only one aspect to consider, really. I prefer all my loans these days as variable as my personal view is that the rates will go down down down over the next few years. The calculations in the OP didn’t account…[Read more]

Great comments, everyone!

My 2c are:

1. Is the only reason the OP is considering to split the loan is to have access to offset? that’s only one aspect to consider, really. I prefer all my loans these days as variable as my personal view is that the rates will go down down down over the next few years. The calculations in the OP didn’t account…[Read more]