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and a lazy grand as well....those were the days :) Cheers Jamie

I think that's changed now - I haven't put it to the test though. Cheers Jamie

Sounds like a plan. Good luck. Cheers Jamie

If ANZ won't allow you to extend the IO term you could refinance somewhere else (but there's a lot of other things to consider here). Tell them CBA will offer you at least 5.8% on your total borrowings. Cheers Jamie