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The casual employment will depend on a few things such as LVR, Insurer, length of employment and regularity of hours.

G'day Deakin, You time spent reading the forums has paid off as you seem to have grasped the basics well. Your long term goals for the PPOR would need to be looked at when talking about P & I or IO. It may be wise to look at your servicing ability for both the IP & future PPOR befoe...