short, long, or neutral., page-2

Hey Malaga ,

You need to allow for insurance , rates and maintenance ( or maybe body corp fees ) in that .

That said , you would have to sign up for 5 years to get 4.5% interest . E.g. Nab rates . If you are going shorter term , you end up in the threes .

Then of course , if you earn over 80k , then you have to give 37% to the government . That takes the shine off it a bit .