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    When to use offset and redraw?

    Yes this is the exact reason why you think differently. P&I loans have fixed repayments no matter what the principal is, whereas IO loans have varying repayments depending how much interest has accrued.
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    When to use offset and redraw?

    Whether it's tax deductible for IP#1 or IP#2 isn't that important as long as both are owned by the same entity....
  3. A

    When to use offset and redraw?

    If you are not comfortable with large debts and need P&I to be comfortable, then by all means do so. However, for the active property investor P&I is a straitjacket that restricts growth of your portfolio.
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