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Peter_Clyne(Superuser)Superuser
25 Jan 2023

@inandsp

I agree with @Bruce4Tax

However, in some circumstances, combining personal and investment borrowings into a single loan can give better tax outcomes than keeping the loans separate.

Careful consideration is needed of the apportioning rules for both withdrawals and repayments, as well as your personal circumstances and intentions.

ATO won't help you to structure this optimally. Best to consult a suitably experienced accountant.


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