I have three mentors that all specialize in different areas of the finance business. Commercial, business and property investment, my favorite being the latter. 

I'm for the most part autonomous across all three but still great to get a different perspective when required.

Wouldn't be where I am with out them and I know they enjoy watching me succeed. Win win as they say. 

Big risk to take for a fee?

Only one of the big 4 that require two years experience is the CBA unless things have changed or it it may just be your aggregator. 

I started with AFG and could write deals from the get go with he other three. 

http://www.audible.com has some good books on real estate, investing and most importantly mindset.

First download free then various subscriptions to choose from.

Cant find any Aussie stuff but still worth a look imo. 

When you complete your mortgage docs (if you have a broker they should help you if not the branch will) you will complete a DDR or direct debit request form.

You can nominate an OFI account on this form therefore only having to maintain one transaction account for all monies in and out. Way to go! 

I got a whole box of those in the shed that the missus bought. More than $100 wroth though. Makes me blow a little bit of steam every time I come across them 

Many PMs are overworked and underpaid and under appreciated which usually results in a high IDC factor. 

How do you know there is no equity? 

If you are working to a timeframe and need the surplus funds then borrow if not do it piecemeal. 

2 million inhabitants contributing 15% of the GDP must make us eligible for low cost government housing loans

If you can find a block of four units and zoning allows for a strata plus figures stack up  then it can be a good strategy.

I suspect sanasar may have been given incorrect advice at branch level in regards to offset v redraw as they will tell people it is the same thing?

I had a bizarre conversation with a branch staff member just yesterday when one of my clients went into a branch to transfer IP funds from a PPOR offset back into the redraw of the IP loan. She said what I was doing was "very strange". I attempted to explain contamination of funds to her after she asked why I wanted to transfer the funds back to redraw but she was not interested in the answer. One staff member at a previous branch she visited the same day refused to do it as it 'wasn't necessary to move the funds as she was offsetting interest on her PPOR therefore it balanced itself out!"  What the!!!!

Not one for bank bashing as I see them as business partners but the general ignorance is astounding. I guess you don't know what you don't know but then hearing the correct strategy and not being interested in the answer is what perplexes me even more so.