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No it does not. It can be cancelled at anytime. Banks are pessimists.

Novated leases can kill your serviceability from my experiences so best exploring this with your broker in line with short, medium and long term goals before commiting to another one. Would be worth exploring the option of an equity loan from existing property on interest only or pay cash for...

I am and I ask her (the 8 year old) is Dad still cool. She says no but insists I still walk her to class rather than kiss and drive so I figure I still "got it"!

Nope, but she is bold. If your Mum has thinning hair and your her son then whip out the clippers quick smart.

Nah that was a gene passed on from my mother, plus its practicle.

Yeah, I have four worshipers in my household :p They are all under eight so if they still worship me in 15 years we have done a good job.