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Good point that ;)

About three weeks ago recieved an email plus attached form but only skimmed through it. It was for Homeside (soon to be Nabbroker) so assuming applies for NAB as well.

Should recieve a letter about 1 month before it is due to rollover informing you that its reverting to P&I. I havent done one yet so dont know if they require income verification but probably not if your repayment conduct is good.

No they will not unless you are in default, that is not making repayments. As long as you make payments you will have no issues. NAB/HSL have recentley made changes to the IO extension process and believe it is a 2 page tick and flick to apply with no financial info required.

Often comes down to the personality, "or lack there of" with the assessor involved. Some are great and others are a royal pain!