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As far as I know we now enter the consultation period which runs until 31/3/15. This means IP#1 will be fine, but I now lean towards STG as I want to max out the loan and then use the 100% offset that unfortunately La Trobe don't offer. . IP#2 is likely to be a Dec 2015 settlement, so there is...

From a recent enquiry I made with CBA, they indicated that at a LVR of <50% and where the rental will cover the interest payment personal guarantees may be waived. I'm pursuing STG and La Trobe however as there are some other terms in the CBA agreement that are a little concerning...