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No worries :) It's unlikely. Though, I don't know CUA's policies as it's a lender not on my panel, best to give them a call to see what they say. Correct. But are the gains from the growth of the suburb or from building itself....

Change loan to interest only and stop paying it down ASAP and any extra cash just sit in the offset account. This will help maximise your tax deductions when it turns into and IP.