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When you use your home mortgage redraws to invest and you wish to claim the interest costs on the investment, the rule is generally that you have to transfer the amount to cover the cost, so that the ATO can clearly see that you’ve redrawn the funds to cover the investment expense.
What do you do if you wish to buy an unspecified amount, say on a share trading platform that requires you to top up a cash account first? You don’t yet know the exact amount you’re going to spend, so can’t redraw the exact amount to cover the investment purchase.
Do you just transfer the a higher amount to the platform then after making a purchase, return any excess funds to the mortgage, carefully recording down all transactions?