Thanks for all the advice!

Thanks very much Richard. It appears that in long term  if I want to rent out my current PPOR for a longer period than the new IP in future, I would be better off to use cash in offset rather than paying off first and then withdraw from the sub equity loan to pay deposit of new IP so that this amount of money can be deductible for longer when…[Read more]

Thanks a lot Jamie/Richard/Leadercorp. Really appreciated your advice!

For the equity sub loan , I should be able to get a lump sum  from bank so I can pay directly the deposit of IP to the vendor, is it right?

My current bank is persuading me to get a cross-collatteral loan to get 100% loan of the IP, from my research, cross-collatteral loan…[Read more]

Thanks, Jamie. Do u mean I shall use cash in offset account to pay off part of the PPOR loan first, and then split it to two separate loans, where one is still PPOR loan  but smaller amount and the other one is for the deposit of the investment house? But what the 2nd one looks like? Is it called LOC loan?

after 2 years, the current PPOR may be…[Read more]

Current property is PPOR, what shall I do in terms of  ＂borrowing" you mentioned?