RMIT

I have a question. I have also inquired with my accountant, but he has taken 6 weeks off work for a holiday, so thought I would get your thoughts as well.

In the next 12 months, I am thinking I will make my first home purchase. I have enough in savings for a 20% deposit, plus stamp duty and other fees. I could also sell my varied Australian share holdings which would cover probably another 20%

My current income situation puts me at paying a decent amount of income tax, which I would like to lower. I own outright a commercial vehicle which I use for my self employed business worth over 100k, and my thoughts are if I take out a vehicle loan against it, and place that equity in the house, the