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If you ever want to buy down in Melbourne there's a few here that may interest you.

Yes. Most common is first 5 years interest-only followed by 10 years P&I. Of course most people refinance after 5 years to extend the IO term but that's another issue.

Usually commercial term loans are for a period of 15-25 years (15 more common). Max LVR for that size of 70% usually. You may be suited to go on commercial bank bills or a term facility with a smaller lender if you don't want annual reviews.

No China.....normal rates buddy.