澳洲Australia property BankWest rate tracker offest account | Sy

在澳大利亚


Hello all,

I have taken Bank West rate tracker ultra home loan (interest only) for our PPOR. I did not apply for the offset account as my broker said the loan account has the offset facility (you can move funds in and out). If I put my extra savings in the loan account and withdraw it later when I convert my PPOR to IP, does my IP loan get contaminated if the withdrawn fund is used for non-investment (eg. buy another PPOR)? Or should I open an offset account to avoid this confusion? Offset fee is $15/month.

Thanks,

sf  

评论
Yes the funds will be contaminated so take up the offset account offer.  

评论
Qlds007 said: ↑
Yes the funds will be contaminated so take up the offset account offer.Click to expand...
Thanks Richard, I will take up the offset account.

cheers  

评论
I agree. Best not to pay any extra into the loan if you intend to rent it out later.  

评论
Terryw said: ↑
I agree. Best not to pay any extra into the loan if you intend to rent it out later.Click to expand...
Thanks Terry, I have taken offset account. Our MB was not aware of this, obviously.  
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