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Doesnt really matter, but I'd get one with the lowest annual fee you can find to get the most benefit. Interest rate on it won't matter if you're clearing it every month.

-Yes. This allows more flexibility in the future if some emergency comes up or some amazing investment deal. Also allows for better tax treatment if your home becomes an IP one day. - Yes. Since thats where all your money should be. - Yes, the more in there the more interest you save. -...