They where going to be my first port of call. We have had mutual clients and also had a coffee with Adam a few months back.

Cheers Tom.

NAB/Homeside have also increased thier fixed rates recently. 

Most banks are waiving application fees but still charging the annual fee as the trade off is you get a discounted variable rate.

CBA are offering $700 for a refinance from another bank and St George are offering $1250. 

If your loan is fixed and you get it revalued and the property has increased you will be able to access the equity &increase the loan with a separate sub account/loan split to the existing fixed loan therefore avoiding break fees. 

You can go to 80 or even 90% LVR on your PPOR or IPs with some banks and access the difference (cash out) between what you currently owe, subject to serviceability.

Purpose of funds need only be for "future investment purposes" which could include overseas property as the funds from the Aussie bank are secured against your Aussie property.

Issues to be aware of would be fraud in particular to who is the property ownership. You would have to have some knowledge of the property laws and/or a trusted advisor on the ground where you are intending to purchase. 

Well done for implementing the knowledge gained in regards to IO + Offset.  It is a very simple yet effective strategy that is overlooked by ignorance more often than not.

It is to your advantage to store funds in an offset unless you can get a higher return than your current mortgage interest rate elsewhere, adjusted for tax that would normally be paid. You could place it in a term deposit at 3% and then loose a portion to tax depending on the bracket you are in or leave it in the offset and get a tax free "return" of 5+%.

If the investment offsets are costing you in fees then best to close them. If not then leave them open.

Yes. Use the cash as a deposit towards your PPOR. I would still repeat the process with your PPOR and go interest only for 5 years with a linked offset. You never know what twists and turns life will take as your PPOR may be converted into an IP down the track. If not then no harm done. 

All the best. You are dong great by the sounds of it. 

Yes you will be able to claim interest from get go if property is for investment purpose. 

Always best to check with your accountant as I am not aware of your full situation. 

I pay $60/month for the privilege of accessing specialist software that tracks all the latest rates, fees, charges, policies of the 20+ lenders on my panel.

I provide any necessary or requested information in the form of PDF, spreadsheets, emails etc to assist my clients to make an informed choice.

Some want a lot, some a little and some just want the job done as efficiently as possible and I accommodate accordingly.

Your solicitor/conveyancer would be the best port of call. 

I likewise treat everyone as equal. In fact some of my best referrers are people that I assisted at zero benefit to myself.

I managed to save my neighbor $2000+ in interest payments by sending a pricing request to their bank.

She gave me a thank you card with a lotto ticket enclosed. Unfortunately wasn't a winning ticket 

The only borrowing allowed is for the original property and once paid down can not be re accessed as far as I am aware.

An offset account is available with some SMSF loan products with interest only up to 15 years available.

This could be a better option for your next SMSF property if you wanted to preserve the funds that you would normally use to pay down the loan. 

Always best to consult your accountant/financial planner to ensure you are complying with the SIS act whenever it comes to your SMSF. 

I have seen people who represented themselves and pulled it off. They usually had a background in conveyancing.

I have also seen people do it themselves and it has become a nightmare.

It is money well spent in what can already be a stressful process.