Hi Fellas,
Thanks very much for the heads up. I can see what you are all saying. I will adjust my mindset and shuffling of money to reflect what you said. I will change to IO on loan and divert each cash to offset account and watch that grow. Things can and do change so I have to plan for that.  I really appreciate the advice and your time in…[Read more]

Hi Terry,
Thanks very much for the reply. Yeah we will definitely be moving back into the house. So if that is the case do you reckon just keep smashing the loan to zero? To borrow money when we return for renos should we just draw against the loan or start to put a couple of hundred in an offset account and use that? Is this option easier for tax…[Read more]