I need to know....

[amber_fluid]

I love a moist granny!

How about apples?

Hate apples

[amber_fluid]

I love a moist granny!

goes well with banana

Skin on or off?

[dedja]

I love a moist granny!

Just when you thought no-one could go lower ... but here we are.

[amber_fluid]

I love a moist granny!

Just when you thought no-one could go lower ... but here we are.

You new here?

[dedja]

I love a moist granny!

Just when you thought no-one could go lower ... but here we are.

You new here?

Dunno, I'm just an idiot.

[Brodlach]

I love a moist granny!

Just when you thought no-one could go lower ... but here we are.

You new here?

He’s just disappointed he didn’t say it first

[dedja]

How many people here have a partner who's a GILF? ... think about it

No, I'm not there yet.

[am Bays]

I love a moist granny!

Just when you thought no-one could go lower ... but here we are.

Hey I'm looking on the bright side, it could be a 30 something from the 'biff!

[gazzamagoo]

I love a moist granny!

Just when you thought no-one could go lower ... but here we are.

Hey I'm looking on the bright side, it could be a 30 something from the 'biff!

Are you talking about.....




PRAM LADY??

[gazzamagoo]

I love a moist granny!

goes well with banana

Nappy on or off?

EFA

[Booney]

[amber_fluid]

You’re all sickos

[whufc]

If we have the home equity to cover a house deposit for an investment property, is it something i should look into or is there better ways to spend.

[Trader]

If we have the home equity to cover a house deposit for an investment property, is it something i should look into or is there better ways to spend.

You should seek independent financial advice rather than listen to randoms on the internet, etc.

With that said, it is worth keeping in mind that the equity in your own home is minimising interest that is not tax deductable.
Where as interest paid on your investment property load is tax deductible.

That's not to say they can't structure the load in such a way that by withdrawing the equity from the house it is still considered deductible against the investment property, but you need to be careful and ensure they do it correctly.

Otherwise, the other option is to simply leave the equity in your house and get a loan for the investment property that is closer to 100%.
You'll need to calculate the cost of mortgage insurance vs the tax savings, etc, but that's going to be worth it in the long run.
Equally depending on your bank you might be able to get away without the added insurance if you can list the home as collateral against the investment loan.

Obviously more to it than just that, but I do think maximising the deductable interest and minimising the non-deductable is a key factor in however you do it.

[Jimmy_041]

If we have the home equity to cover a house deposit for an investment property, is it something i should look into or is there better ways to spend.

Not sure what the question is:
1. Should you buy an investment property? or
2. Should you use house equity instead of 100% finance?

[whufc]

If we have the home equity to cover a house deposit for an investment property, is it something i should look into or is there better ways to spend.

Not sure what the question is:
1. Should you buy an investment property? or
2. Should you use house equity instead of 100% finance?

Yeah it’s 1 and 2 haha

[cracka]

If we have the home equity to cover a house deposit for an investment property, is it something i should look into or is there better ways to spend.

Not sure what the question is:
1. Should you buy an investment property? or
2. Should you use house equity instead of 100% finance?

Yeah it’s 1 and 2 haha

Wouldn't it be best to have 100% finance on the investment property for tax purposes?

[whufc]

If we have the home equity to cover a house deposit for an investment property, is it something i should look into or is there better ways to spend.

Not sure what the question is:
1. Should you buy an investment property? or
2. Should you use house equity instead of 100% finance?

Yeah it’s 1 and 2 haha

Wouldn't it be best to have 100% finance on the investment property for tax purposes?

I dont know a heap about it but it seems you are probably correct so i've already learnt something new today

[Jimmy_041]

You’d get a tax deduction for #2 as well
It’s what you use the money for / not where you get it from

[Dutchy]

If we have the home equity to cover a house deposit for an investment property, is it something i should look into or is there better ways to spend.

Not sure what the question is:
1. Should you buy an investment property? or
2. Should you use house equity instead of 100% finance?

Yeah it’s 1 and 2 haha

Wouldn't it be best to have 100% finance on the investment property for tax purposes?

Correct, 100% fund the investment property using home as security, even go interest only on the investment property if you want to maximise the tax advantages and pay extra off you home mortgage which is not deductible debt.

Essentially go see an Accountant for tax advice.