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Rixter, What about converting non-deductible PPOR debt to deductible debt, then not repaying the new deductible debt, and keeping any excess cash in offset accounts? I think what Witzl is doing.

I haven't bought a property specifically as a PPOR yet, but may do so in the next few months. If so, based on my income and the value of the property (/loan amount) I plan to purchase, it could be paid out in 3-4 years' time. Maybe quicker if I do the recycle debt thing.