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Sage advice re: your accountant. I deal with accountants also and my experience is they don't seem to know a lot about financing for IPs even though they may portray otherwise. Fair enough though as I have some knowledge of taxation but much more on financing property, among other asset...

Looks like your loans are P&I unless my late night fingers are hitting the wrong buttons on the calculator? Better of going interest only and redirecting the difference into your PPOR offset. This will help reduce interest payments on your PPOR whilst preserving the principal and increasing the...