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And yet I know commercial landlords paying interest rates in the mid 4% range, with no ongoing fees. And others with 70%+ LVRs. This is why generalisations are a bad idea in the CIP forum.... "Different" can mean "Better" for some people!

Nothing and everything. Some CIPs can organise for the tenant to pay everything - others pay virtually nothing. Some of this is regulated by Retail acts in various states but most of the time it's a matter of what the landlord can get away with in that market. Generally speaking, the...